• What Are 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 less...
  • Opening A Business Checking Account: What Not To Do

    So, you want to open up a new business checking account but don’t know the first thing about numbers? Then you’ve come to the right place. You’ve taken the first step; you’ve set up and registered your new small business and now it’s time to sort the finer details....
  • Declaring Bankruptcy: The Pros and Cons

    You may end up declaring bankruptcy during a financial crisis, but it shouldn’t be taken lightly. This pros and cons list may help you discover whether filing for Chapter 7 or Chapter 13 bankruptcy is fitting for your situation. Pros of Declaring Bankruptcy Collections Stopped: Filing for bankruptcy stops...
  • The Easiest Ways To Save $1,000 Without Even Realizing It

    We all want to save more without feeling deprived. Fortunately, in this information age, there are hundreds of ways to do it. We’re not talking about the stuff that everybody knows: collecting spare change, cancelling your gym membership and skipping some meals. All we’re talking about are the legitimate...
  • Credit Card Processing Solutions for Small Businesses

    The easier it is for your customer to spend money on your site, the more they’ll spend. Seems simple enough right? Think about it though. If you’re considering making a purchase of a product from a website but you’re not 100% certain yet, the payment process can be a...
  • 5 Signs you’re Overspending, Not Underpaid

    Studies are showing that income inequality in the U.S. is making it near impossible to make ends meet on minimum wage or raise a family on median wage just about anywhere in the country. Still, sometimes it’s not a financial struggle, it’s your spending habits. Here are some indicators...
  • 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...
  • 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...
  • The Pros and Cons of Using a Smartphone as a Credit Card

    Mobile wallets such as Apple Pay and Google Wallet have the potential to be revolutionary. Imagine running to the store with only your smartphone and car keys! However, many consumers are wary of these mobile payment apps for a variety of reasons. Some don’t trust the security of these...
  • Types of Online Loans

    If you would like to be able to get a loan without leaving the house, you’ll be happy to know there is a variety of loans you can find online. Here is an overview of the main five types of loans that are available through online lenders. Mortgages Most...
  • Blue from American Express® Credit Card

    Overall Score 36.8 Net Monetary Value 24.6 Product Features 66.7 Customer Experience 64.7   Pros & Cons The Blue from American Express Credit Card is the perfect card for people who want to use their purchases to book more travel and entertainment experiences. The points are earned on all...
  • Credit Cards That Cost You Nothing: Here’s The Top 3

    So you need to find a credit card with 0% apr and no annual fee. Impossible right? Wrong! There are actually quite a few credit cards available with low apr and no fees! You think it seems too good to be true? We’re here to prove you wrong! There...
  • What You Want in a Business Checking Account

    If your business is closely watching the tight bottom line, then you will be happy to know that there are free business checking accounts out there, whether you would prefer banking online or at the real brick-and-mortar branch within your area. However, to find a Business Checking Account, you...
  • 5 Reasons to Hire a Bankruptcy Lawyer

    Have you considered hiring a bankruptcy lawyer? You technically don’t need to hire an attorney to file for bankruptcy, but hiring an experienced, dedicated attorney is a wise decision. Before you shrug off the idea of hiring a lawyer, read these five advantages to having a bankruptcy lawyer work...
  • The 5 Best Personal Financing Apps To Help Manage Your Money

    We all mean well whenever we plan out any budget. However, without impulse control, discipline, diligent logging off your expenses and income, and a more keen awareness of the amount of money that you can afford to spend, you will be C in less time. Fortunately, whether you are a...
  • Advantages to Credit Card Processing for Small Businesses

    With the right product or service, even the little guy can take on his competitors and win. But in order to compete against the big guys, the small business owner needs to be able to offer customers the same conveniences other merchants are offering. One of the biggest conveniences...
  • What is Options Trading?

    Compared to day trading or investing in stocks, options trading seems like a safer route. When you buy an option, you’re technically purchasing the right to buy stocks or other financial securities at a fixed price before a certain date. While there is risk involved in options trading, the...
  • 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...
  • The 3 Best Apps for Transferring Money on your Smartphone

    We are heading towards a cashless society whereby we are using digital technology to move money and to purchase things without even opening our wallets and taking out psychical money. When online banking was first introduced, we had to sit at our computers either at the office or at...
  • How Your Small Business Can Accept Online Credit Card Payments

    Trying to figure out how to accept credit cards online doesn’t have to be as complex as it seems. It is really as simple as finding the least expensive and most convenient route between your customer’s credit card and the bank account. At its core, it is really just...
  • The Basics of Personal Loans

    Eventually, a time comes in every consumer’s life during which he or she will need a personal loan. A personal loan is long-term or short-term cash advance that different institutions give to applicants who qualify. You can use a personal loan for a wide variety of reasons such as...
  • Capital One® VentureOne® Rewards Credit Card

    Overall Score 78.2 Net Monetary Value 83.8 Product Features 66.7 Customer Experience 64.7   Pros & Cons With the BankAmericard Travel Rewards Credit Card, users can earn points that are redeemable as a statement credit, or applicable to airline tickets, hotel stays, vacations, car rentals, and other travel purchases....
  • The Top 5 Credit Cards For 2016

    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,...
  • 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...
  • Filing for Bankruptcy: How Much Does it Cost?

    Filing for bankruptcy is a big decision. It can get you out of a tough financial situation, but can you afford it? If money is tight, you may not be able to file as easily as you’d hoped. These are the general costs of filing for bankruptcy.   Chapter...
  • 5 Ways To Save Money And Get Healthy

    Eating healthy is often considered a very expensive habit, but in most cases making healthy choices actually leaves your budget in good shape. For example, dining in is usually always cheaper than dining out, so while you will be avoiding those overly large portions and excess calories from the...
  • The Myths of Online Credit Card Processing Busted

    Online credit card processing is way cheaper compared to traditional POS (point-of-sale) systems. Using your credit card through merchants and services that accept credit cards using online platforms and mobile devices is usually stressful, not to mention a hassle to set up. Besides, customers would never dare to compromise...
  • 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...
  • The Top Tips for Stock Investing

    If you have an interest in making more money and preparing for your future finances, then you must be thinking about investing in the stock market. The stock market is a particular market where stocks and bonds are traded. The stock market also, according to the way some people refer...
  • How You Can Maximize Your Cash Back Rewards

    If you’ve found a credit card that offers flexible cash back rewards, you’re in business! Unlike point-style rewards, cash back on purchases gives you flexibility and freedom. Often, cash back credit cards run specials offering an even greater percentage of your purchases as cash back. Many charge no annual...
  • The Most Common Uses for Personal Loans

    After taking a back seat to credit cards for many years, personal loans are popular once again. More and more people are turning to the lower, fixed rates of personal loans, especially after the most recent financial crisis. Personal loans can be used on just about anything, but there...
  • Celebrity Visa Signature Card

    Overall Score 27.3 Net Monetary Value 11.0 Product Features 66.7 Customer Experience 64.7 Pros & Cons Travelers who seek more perks on cruise vacations can use the premium Celebrity Visa Signature Card to earn points redeemable in form of Celebrity, Royal Caribbean and Azamara cruises, stateroom upgrades, credits on...
  • How to Find The Best Credit Cards For College Students

    When trying to find the best credit cards for college students, it is wise to consider several points concerning the terms of the offer. These points about student cards include the viability of the magnetic slip which should last for an appreciable period of about a year at least....
  • What You Need to File Your Taxes When Self-Employed

    The freedom of working from home may be tempting, especially if you work well individually and don’t enjoy the bustle of corporate life. It should be noted that self-employed people are not exempt from federal and state taxes; they must pay their share of taxes just like traditional office...
  • Handling Bankruptcy and Taxes

    Taxes and bankruptcy are two complex matters that many people would rather not think about, let alone discuss. If you are contemplating bankruptcy, however, it is important to understand how the two impact each other. Many factors affect the relationship between bankruptcy and taxes. Bankruptcy law permits owed taxes...
  • How You Can Merge Your Finances With Your New Spouse

    Money can always be a very complicated subject more so within the context of serious relationships. While it is not exactly a pillow talk, it’s a very important topic for you to tackle in case you want to create a stronger foundation for your future together. One common area...
  • The Complications of Accepting Credit Cards

    Accepting credit cards doesn’t have to be super complicated, but it often feels like it. From unclear credit card processing online rates to long service contracts and complex compliance subjects, it’s no surprise that accepting credit cards as a payment technique leaves some small business owners reeling. Here are...
  • What to Expect After Bankruptcy

    Bankruptcy can be a taxing, burdensome process. How does your life change now? These are some of the major ways your life is going to change after filing a Chapter 7 or Chapter 13 bankruptcy case. Credit Card Offers The unfortunate truth of bankruptcy is that creditors use this...
  • HARP Refinancing: A History and What you Need to Know

    The Home Affordable Refinance Program (HARP) is a U.S. federal program that began in 2009. The goal of the program is to help struggling homeowners refinance their mortgages. The following is a short history of HARP and how the program continues today. The Crisis After the U.S. housing bubble...
  • Avoid These Scams When Transferring Money

    Sending money across the United States and abroad is incredibly easy, especially with all the new technology. Unfortunately, criminals have come up with scams to get people to initiate wire transfers to tap into your bank account. Avoid falling victim to these scams by reading about some of the...
  • What Types of Credit Card Rewards Are There

    Whether you’re applying for your first credit card or are well-versed in the area of credit card types, you may still have questions about reward credit cards and how they really work. Here is an overview of the most widely-used reward cards as well as the pros and cons...
  • How to Request a Personal Loan

    There are many reasons you may want a personal loan rather than using your credit card. Personal loans can be used for paying off debt, educational fees, home improvement, car financing, wedding expenses, travel, training, and business expenses. The first thing you need to do is understand the terms...
  • Preferred MasterCard

    Overall Score 52.2 Net Monetary Value 51.8 Product Features 77.8 Customer Experience 41.2   Pros & Cons With the Fifth Third Preferred Card, users can earn points on all their spending. However, the card offers the most points for dining, travel, gas and grocery purchases. The card’s annual fee...
  • Top Reasons To Trust And Hire Tax Attorneys

    If you find yourself in trouble with the IRS, the best thing you can do for yourself is to hire a tax attorney. Whether you are faced with business tax issues, property seizures, audits, or challenges that only small business owners face, a tax attorney can negotiate on your...
  • What is a Tax Lawyer?

    A tax attorney is a lawyer that deals specifically with tax law. They can help you with simple tax questions or complicated legal issues relating to your taxes. How Do They Become Tax Attorneys? Like other lawyers, tax attorneys go to college and have to pass the bar exam...
  • Best Online Payday Loan

    When you are short on cash, a payday loan can supply the extra cash that you need. Whether you need to pay for an emergency car repair, a fee for your child’s sports team, or a critical home repair, payday loans give you the money you require. Finding an...
  • 12 Ways To Save Money Every Day

    By the second week of the month most people have used up all or most of their salaries and sometimes part of their savings too. It is up to everyone to find out all the stupid ways they’re losing money every day and how to avoid it. 1. Invest...
  • 3 Simple Tips to Create a Budget and Manage Credit Card Charges

    You need to have a lot of self-discipline and self-regulation to be able to stick to your budget. However, at the end of the day, while a budget may feel restrictive, you have to shape up and consider your future. One of the best things you can do for...
  • The Best Tips for Getting a Business Loan

    When you’re trying to first get a business loan, you need to remember that it’s not nearly as easy as it may seem. If it doesn’t seem easy you’ve caught the idea. Getting a business loan is not going to be simple, you need to be ready when you...