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If we’re being honest, we could all do a better job with our money. Even the most financially savvy person can find ways to make their money go further.

Whether you’re looking to make better money moves across the board, make smart investments, supplement your income, or grow your business, this 13-step ultimate money checklist is loaded with money moves that are sure to help!

The Essentials

Money moves everyone should be making.

1. Leave Your Family with Up to $8,000,000: If something tragic were to happen to you unexpectedly, would your family be able to live off of your savings? Probably not. Most people underestimate how much money is needed. That’s why life insurance is a must. And with Ladder, you could get affordable life insurance with coverage that ranges up to $8,000,000. Plans start at just $12 a month; and because Ladder is completely online, you won’t even need to provide a medical exam or fill out paperwork. The younger you get life insurance the cheaper it usually is, and because today is the youngest you’ll be, you shouldn’t delay learning more. Take a couple of minutes to get your free quote from Ladder today!

2. Get Rid of Credit Card Debt with a Personal Loan: Many people fall into credit card debt and their card’s high-interest rate keeps them trapped for years. This is where a personal loan might help. These are lower-interest loans that can be used for just about anything — including paying off your credit card, which could potentially save you big money in interest fees. The average credit card has around a 17% interest rate, while the average 3-year personal loan has an 11.5% interest rate. Credible is an online loan marketplace that helps you find personal loan options in just two minutes. Fill out the site’s simple form and get offers from up to 11 lenders to compare in one place in just 2 minutes. Loan amounts range from $1,000 to $100,000. You can also use a personal loan for other needs, such as paying for medical bills, making improvements to your home, funding your family vacation, and more. Credible has helped thousands get the loans they need, and the company holds an excellent rating on TrustPilot with over 4,184 reviews.

3. Get Your Credit Score Back on Track Quickly: When looking to borrow money for a home, car, or other large purchase, you’re largely at the mercy of your credit score. Credit Sesame could help you take steps towards raising your score quicker, as this site tells you what you need to do to improve and is loaded with helpful tools — from free credit score to free credit score monitoring to free ID theft protection and much more. Sign up for Credit Sesame in minutes (for free) and get that number moving in the right direction!

4. Get Credit for Everyday Bills to Boost Your Credit Score: With a low credit score, proving yourself trustworthy for loans and lines of credit can be a challenge. But this is where Experian Boost can help. This is a completely free service that will help you get credit for Netflix®, Hulu, Disney+, phone, utilities, and other bills! It’s easy — link your bank account, choose the payment history you want credit for, and see your credit score boost results instantly!

5. Ask This Site to Help You Lower Your Current Student Loans in Minutes: When you’re drowning in student loan debt, refinancing (replacing your loan(s) with a new loan that has a lower interest rate) is a move that could potentially save you thousands. And with Credible, finding out is very easy. Fill out the site’s short form, and in two minutes, they will find you up to 11 student loan refinance offers to compare in one place. This simple, free check won’t even affect your credit score. When you find a loan you like, close it out and you’ll get a bonus of up to $300 to add to your potential savings!

6. Replace Your Boring Debit Card with This Cashback Earning Debit Card: Your current debit card probably isn’t earning you any money. Most debit cards don’t. But with an Upgrade Cash Back debit card account, you’ll earn cash back on debit card purchases. This FDIC-insured bank account has no hidden fees. Earn cash back whenever you make purchases uses your Upgrade debit card.

7. Switch to This Bank to Do Your Banking Online, Get Rid of Fees, and Earn More Interest: Tired of monthly fees, balance requirements, and pitiful interest rates? Consider opening an Upgrade savings account. This bank offers top-notch online banking and has no monthly fees or balance requirements. With their savings account, you’ll earn a high interest rate that is over 5%.

Investing

Money moves for new investors and investment tycoons alike.

8. Diversify Your Investments with Blue-Chip Artwork: Investing in blue-chip artwork used to be something only the super-rich could afford to do. Masterworks is a company that is changing that. Anyone can now Invest in top art pieces that have been curated by research professionals. Investing in blue-chip artwork has outperformed the S&P by more than 250% from 2000 – 2018, according to Artprice. Administrative costs, professional storage, insurance, annual appraisals, and more are all covered for just a small management fee. Request an invite to Masterworks’ free membership today!

9. Invest in Real Estate without Being Rich: Don’t think you have the money needed to invest in real estate? Think again. HappyNest allows everyday people to invest in real estate with just a minimum investment of $10. Choose to invest a higher amount if you want. Your tenants will be names like Fedex and CVS. Sign up with HappyNest today and start investing like the top 1%!

10. Find Out How Much You Can Afford for a New Home in Minutes: No money checklist is complete without addressing one of the largest investments you’ll ever make — your home. The home-buying process can be daunting, but Credible makes it much easier at all stages. As a loan comparison site and online marketplace, Credible shows you how much you can afford, gets you pre-approved for a mortgage in just three minutes, allows you to compare offers in one place, and helps you close out a new mortgage quickly. Not to mention, it’s free to use and 100% online. Find out how much you can afford for a new home with Credible today!

Making Extra Money

Money moves that will help you put more money in your pocket.

11. Take Surveys in Your Free Time to Earn Extra Cash: Looking for a fun activity to help kill time? With Branded Surveys, you can actually get paid for offering your opinion to all kinds of brands. Create a profile and Branded Surveys will match you with surveys most likely to pique your interest. As you complete surveys, you’ll earn points and be able to redeem them for money or gift cards to popular retailers and restaurants. Check this fun money move off your ultimate money checklist today by signing up with a valid email address or Facebook account!

Business Owners

Money moves that will help you grow your business.

12. Get Your Hands on the Funds Needed to Help Your Business Thrive: Need funding without entering into a marriage with investors? Fundera could help you get approved for a loan that sees funds deposited in your bank account in only a few days. Fill out one simple application form and this site will find multiple options for you to compare all at once. To date, Fundera has helped more than 85,000 businesses secure over $2.5 billion in funding. Check out your options with Fundera today!

13. Fast-Track Growth by Helping Customers Find You Online: There are probably customers who are currently looking for your business online. With Yelp ads, you can make it easier for them to find you! As one of the largest online directories, Yelp allows businesses to create powerful advertising campaigns for their products and services. Sign up today and join more than 4.8 million businesses that are already using Yelp to reach more customers. You’ll even get a free $300 advertising credit!

You Deserve to Get More from Your Money

Ready to check off each money move from our ultimate money checklist? Many of these moves can be completed without leaving your couch!

Of course, making smart money moves is going to help you manage your money better and save hard-earned dollars in the here and now. But it’s also going to help you plan for the future and make smarter investments that pay off in a big way down the road!

The post 13-Step Ultimate Money Checklist For 2024 appeared first on Wall Street Insanity.

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Everybody loves to save a little money when they shop. For many, a few coupons can go a long way during tight times. For others, there’s the motivation to not be wasteful. Others just love the thrill of a good bargain!

Couponing is as popular as it’s ever been. But here’s the real game-changer: couponing has entered the online shopping and mobile shopping worlds. Today, with little more than your smartphone or tablet in hand, you can do your shopping, use coupons, and save money — without ever leaving your couch!

Whether you fit the stereotype of the coupon-obsessed shopper who sees couponing as a sport, or whether you’re just casually looking to save a couple bucks when you can, there are a handful of coupon apps you need to be using this year.

1. VOICED Market

Voiced Market

If you want to find a really good deal, check out VOICED Market. The platform’s deals page features items that are priced at up to 95% off!

But that’s just the beginning. VOICED Market’s coupons page lists discounts on categories ranging from entertainment to food to clothing, and more. There’s also a freebies page that points you to plenty of free services, free trials, and bonuses.

At VOICED Market, there are tons of deals and coupons to keep track of; so subscribe to the VOICED Market newsletter and never miss on a big deal!

2. Swagbucks

Swagbucks

With Swagbucks, you can browse deals, coupons, and promo codes at a host of different stores. But check this out — Swagbucks will even reward you with cashback for making these purchases!

Plus, you can earn rewards through the app by completing microtasks, such as filling out surveys and watching videos. These rewards are redeemable as gift cards or cold hard cash!

Get a $10 signup bonus today just for downloading the app and becoming a member!

3. Truebill

Truebill

Sure, saving a few bucks on everyday purchases is nice. But what about the bills and subscriptions that eat away at your checking account balance each month?

While not your traditional coupon app, Truebill might as well be one. This app will help you dig up subscriptions you’ve forgotten about, so that you can cancel them or find cheaper alternatives. What’s more? Truebill can actually help you stop paying overs on many of your bills.

Cell phone bill too expensive? Ask Truebill to find a cheaper alternative. Cable bill not worth it? Truebill might be able to negotiate a lower rate!

Download the Truebill app and start saving on some of those monthly expenses!

4. InboxDollars

InboxDollars

InboxDollars is home to hundreds of coupons across a wide range of categories, from groceries to home and beauty items, and so much more.

And that’s just coupons. With InboxDollars, you can earn real cashback for completing a variety of microtasks. Get paid to take surveys, watch videos, play games, shop, read emails, and browsing the web!

To date, InboxDollars has dished out over $59 million in cash rewards. Want a piece of that pie? If you download the InboxDollars app today, you’ll even get a $5 signup bonus!

5. Fetch Rewards

Fetch Rewards

Before you embark on your next grocery shop, check out Fetch Rewards. This company offers coupons, deals, and rewards on thousands of your favorite grocery brands.

And it’s easy to use! Just scan and upload your receipts after purchases to collect points. Every time you reach the 3,000 point mark, you’ll be able to choose from hundreds of awesome rewards.

What are you waiting for? Download the Fetch Rewards app and start saving big on your grocery bill!

6. MyPoints

MyPoints

As a MyPoints member, you’ll get coupon codes to over 2,000 major retailers and up to 40% back on your purchases! As soon as a purchase is reported, the points are added to your account.

But that’s not all. MyPoints doubles as a survey app, so you can rack up even more points by taking a few surveys in your down time.

Ready to cash out? Redeem your points as gift cards to your favorite stores or transfer your funds straight into your PayPal account.

Sign up for free and you’ll even get a $10 welcome bonus!

7. Cleo

Cleo

Do you struggle to manage your finances well? You’re not alone. Fortunately, you can take back control of your budget with help from the Cleo app.

This isn’t a coupon app, per se, but it’s another great way to manage costs and reduce them as needed — much like a coupon app does. You can interact with this digital assistant to find out if you have money to spend, money to save, or money coming in!

And when you upgrade to Cleo Plus, you’ll be able to set up automatic rewards for your spending. Rack up points and transfer real cash right back into your bank account, where it belongs.

How cool is that? Download the Cleo app today for a fun way to get on top of your finances.

How Do Coupon Apps Work?

Coupon apps have a couple of things in common — they can help you save a little money and they work on your mobile device. Beyond that, they can differ quite a bit in how they work.

There are some coupon apps that give you cashback when you make a purchase. There are others that use a points system, allowing you to eventually redeem those points as gift cards or cash.

Some apps apply your coupon code or discount immediately, and some apps give you cash or credit after you’ve paid the full price for an item. It’s a good idea to check out a coupon app’s terms before you start using it. This way you’ll know what to expect!

Which Coupon Apps Save You the Most Money?

All of the coupon apps on this list have the potential to save you some decent money when you use them correctly. But some have better returns than others.

Many will offer a few percent off everyday items, while others offer discounts of 40% or more on certain products. If you use multiple coupon apps for your shopping, you’re likely to find some pretty significant savings opportunities!

Every Dollar Counts

Sure, saving a little money sounds fun, but is couponing really worth your time? Let’s face it — the money you save using coupons is unlikely to get you out of debt or pay off your entire mortgage, right?

Well, consider this. Perhaps you only save an average of five or ten bucks every time you shop. But multiply that by a half-dozen grocery bills each month, and you’re looking at five-figure savings across a few decades!

Because shopping is something we all do regularly, there are so many opportunities to save. Download a few of these best coupon apps and see just how impactful your savings can be!

The post The 7 Best Coupon Apps You Need To Start Using In 2024 appeared first on Wall Street Insanity.

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Trapped in student loan debt with seemingly no light at the end of the tunnel? By refinancing your student loans — replacing your current loan(s) with one that has a lower interest rate — you could potentially save thousands in interest.

There are a handful of companies that will help you make this move. Here are four of the best student loan refinance companies to consider.

1. Credible

As a marketplace for all sorts of loans, Credible lets you compare prequalified rates in one place. All you have to do is fill out one simple form and Credible will find you up to 10 lenders in just 2 minutes. The company’s Client Success Team is available around the clock to help you with any questions you might have!

Type of loan: Variable and fixed rate.

Minimum credit score: 670-700 recommended.

Why we like it: No prepayment penalties, loan application fees, or origination fees. The service is free to use and rate checks won’t even impact your credit score.

Additional features: Get multiple rates with a single form, final offers in as little as one business day, and a $300 welcome bonus when you complete your refinancing.

2. Splash Financial

Splash Financial is a marketplace specifically designed for student loan refinancing. The company uses its network of lending partners to help you lock in low rates for the lifetime of your loan.

Type of loan: Variable and fixed rate.

Minimum credit score: 640 recommended.

Why we like it: There are no application fees, origination fees, or prepayment penalties, and rate checks don’t impact your credit score.

3. LendKey

LendKey is a platform that partners with credit unions and banks to offer low-interest loans — primarily in the student loans and home improvement spaces. The company allows users to check their student loan refinance rates without any impact to their credit score.

Type of loan: Variable and fixed rates.

Minimum credit score: 660 recommended.

Why we like it: LendKey’s student loan refinancing calculator helps you understand what you could potentially save on your monthly payment and interest fees.

Additional features: No application fees, origination fees, or prepayment penalties.  Loans range from 5 – 20 years.

4. Earnest

Earnest is an online lender that specializes in student loan refinancing and private student loans. With Earnest, you get the flexibility to choose your payment amount based on your budget, adjust your payment date at any time, and pay off your loan early without prepayment penalties. You can find out if you’re eligible in just 2 minutes without impacting your credit score. To date, the company has helped more than 130,000 people refinance $11.6 billion in total student loans.

Type of loan: Variable and fixed rate.

Minimum credit score: 650 recommended.

Why we like it: No application fees, origination fees, or late fees. You can choose your monthly payment from monthly or bi-weekly options, and adjust your payment date with ease.

Additional features: The option to skip one payment every 12 months and make it up later. Assistance from the company’s Client Happiness team.

What Is Student Loan Refinancing?

Student loan refinancing is the process of paying off one or more existing federal or private student loans using a new private loan that has new terms, and ideally, a lower interest rate.

What Is the Difference Between Student Loan Consolidation and Refinancing?

People often conflate the terms consolidation and refinancing, but there are distinct differences between the two.

Consolidation takes multiple federal or private loans (or a combination of both) and replaces them with one new loan. This allows you to make payments to one account going forward.

If you get a new federal loan, you will continue to qualify for any government programs you may have had access to with your previous loans. When you consolidate federal loans only, your new interest rate will typically be the weighted average of your interest rates.

When consolidating to a new private loan, you may be able to get a lower interest than the average interest rate of your previous loans.

Refinancing, on the other hand, takes one or more student loans (whether federal, private, or both) and replaces them with a new private student loan that has a lower interest rate — typically, this is a move made to save money on interest.

6 Steps to Refinancing Your Student Loans

Fortunately, refinancing your student loans is a fairly straightforward process. Here are the six steps you’ll need to take:

1. Determine if refinancing is a good move for you.

2. Check out your refinancing rates.

3. Select a lender and loan terms.

4. Submit your refinancing application.

5. Complete and submit all loan documents.

6. Make payments to your new lender going forward.

The Requirements to Refinance Student Loans

When you were first approved for your federal or private student loans, it’s likely that you only needed to fill out the FAFSA. At most, you might have had your credit checked.

But when looking to refinance your student loans, you may need to meet a larger set of requirements. As is the case with a mortgage, auto loan, or personal loan, your lender might consider the following factors before approving you for a new loan:

• Credit score
• Loan repayment history
• Annual income
• Assets and savings
• Degree type and college

Factors to Consider When Refinancing

Not all loans are created equal. Particularly if you have received multiple offers, you’ll want to carefully weigh the advantages of each offer before choosing a loan to apply for. Some of the most important factors you will want to consider include the following:

• Interest rate
• Variable rate or fixed rate
• Length of loan
• Minimum and maximum loan amounts
• Credit score requirements
• Income requirements
• Fees

What Is the Best Student Loan Refinance Company?

There are so many different student loan refinance companies that may be willing to offer you a new loan. The four companies we’ve mentioned in this article are great options.

However, the best student loan refinance company for you will depend on your existing loans, your refinancing needs, and the offer you receive. Typically, the lender that offers you the lowest interest rate and the best terms is the best option for you.

When Is the Best Time to Refinance Student Loans?

Any time you can get a new loan with a lower interest rate to replace your existing loans, you should consider refinancing.

Take a moment to check out your interest rates today. If they are lower than the interest rate of your current loan, now might be the right time to get your student loans refinanced.

What Are the Risks of Student Loan Refinancing?

As long as you choose the right loan for you — one that saves you money in interest and helps you get out of debt faster — there aren’t many few risks that come with refinancing.

One risk is that you may lose access to programs that your original loans made you eligible for — including student loan forgiveness, deferment, and hardship options. Particularly if you have federal student loans, consider the different programs you’ll be giving up if you choose to refinance.

What Credit Score Do I Need to Refinance Student Loans?

Minimum credit score requirements vary from lender to lender. Generally speaking, most lenders prefer credit scores that are at least 600 or above.

Keep in mind, the higher your credit score, the more options, better terms, and lower interest rates you’re likely to come across.

Does Refinancing Student Loans Hurt Your Credit?

As you’re checking your refinancing rates with lenders, you’re probably wondering, are these checks hurting my credit?

The answer here is almost always no. Banks, credit unions, and other lenders typically only require a soft credit pull when performing a rate check — an action that rarely impacts your credit at all.

However, when you proceed with an offer and apply for the loan, the lender will likely need to perform a hard credit pull. This will affect your credit, but the impact should be minimal.

Is It Worth Refinancing Student Loans?

In theory, replacing an existing loan with one that has a lower interest rate should save you money. Even shaving 1% – 2% off your old interest rate has the potential to save you thousands of dollars.

However, refinancing federal student loans isn’t always a good idea. The government often extends relief to borrowers during hard times. Think twice before refinancing your federal student loans if you’re going to lose access to important programs.

How Can I Lower My Student Loan Interest Rate?

Refinancing will allow you to pay off your current student loans and begin making payments on your new loan with a lower interest rate going forward.

Can You Refinance Private Loans?

Yes, private student loans are among the easiest and most common loans to refinance. Getting a new loan with a lower interest rate could potentially save you thousands of dollars.

Can You Refinance Federal Loans?

Yes, federal student loans can be refinanced. However, federal loans typically come with lower interest rates than many private loans, so you may not always find a new private loan with a lower interest rate than that of your federal loan(s).

You may also lose access to certain government programs and benefits when you refinance your federal student loans. It’s recommended that weighing the pros and cons of refinancing federal loans is done on a case-by-case basis.

Can You Refinance Parent PLUS Loans?

Yes, parent PLUS loans can be refinanced, and it’s often advantageous to do so. If a new private loan has a lower interest rate than your parent PLUS loan, consider refinancing.

Can You Refinance Spousal Consolidation Loans?

Yes, you can refinance spousal consolidation loans; but you may struggle to find a lender that will allow you to do so, as they are few and far between.

Can You Refinance Multiple Loans Together?

Yes, you can refinance multiple student loans together, and this is actually one of the benefits of refinancing — making payments on a single account going forward.

You will, however, need to make sure that the total amount of your new loan exceeds the combined balance of your existing student loans.

Can You Refinance More Than Once?

There is no limit to how many times you can refinance your student loans. If you refinance today and find an even lower interest rate tomorrow, you can still replace your latest loan with an even newer one.

However, every time you refinance a loan, you’ll need to make sure there are no prepayment penalties for paying off your loan early.

Also, keep in mind that, although your monthly payment may be lower after refinancing, your loan terms tend to extend out whenever you refinance. Refinancing repeatedly might result in you hanging on to your student loans for longer than you might like.

Is Refinancing Your Student Loans the Right Move for You?

While refinancing is generally considered to be a smart move whenever a loan with a lower interest rate is on the table, it should be reviewed on a case-by-case basis.

Check out your rates with some of the best student loan refinance companies mentioned above, and find out if you could potentially save thousands on your student loans!

The post 4 Best Student Loan Refinance Companies Of 2024 appeared first on Wall Street Insanity.

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Your home is probably your biggest investment, which means protecting it should be one of your highest priorities.

A homeowners insurance policy will give you that kind of financial protection—insuring your home and possessions in the event of a fire, theft, or other accident.

There are a handful of companies that will offer you great coverage at an affordable rate. Here are four of the best homeowners insurance companies to consider.

1. Credible

With the Credible homeowners insurance marketplace, you could find out right now with just a few clicks if there is a cheaper rate for the same exact homeowners insurance you currently have.

Why we like it: Find affordable coverage fast. Just enter some basic information about your home and your current insurance and Credible will show you multiple insurance carriers at one time instantly. Saving you a ton of time and potentially a good amount of money.

Licensed agents are available to help. No robocalls or personal info sold.

Why wait? Check your homeowners insurance right right here.

Credible Insurance, Inc. d/b/a Credible Insurance Agency (CA Lic. # 0M90597). Insurance services provided through Credible Insurance, Inc., 1700 Market St. Ste. 1005, Philadelphia, PA 19103

2. Liberty Mutual

As the sixth-largest property and casualty insurance company in the world, Liberty Mutual is a name that is familiar to most people. The company is known for offering many different types of coverage. When you bundle homeowners and auto insurance, the company claims you could save $842.

Why we like it:

You can file a claim online in just 5 – 10 minutes. Liberty Mutual offers all sorts of discounts, from purchasing online to insuring a newly purchased home.

You can get multiple quotes in minutes, compare options in one place, and get rates from companies you might not have thought to check out.

3. Lemonade

Lemonade is a homeowners insurance company that is able to keep premiums low, thanks to a 100% digital service. Using the company’s artificial intelligence bot, you can get insured in as little as 90 seconds, and you can submit a claim and get paid in as little as 3 minutes. Lemonade even helps you make the switch from your current policy.

Why we like it: Policies start as low as $25 per month. From your premium, Lemonade takes a flat fee, pays claims quickly, and uses leftover money to give back to causes of your choice.

What Do Homeowners Insurance Policies Cover?

Homeowners insurance is designed to provide financial protection for not only your home but also your belongings. Most basic policies will include the following:

• Dwelling Protection. This provides coverage for the basic structure of your home (foundation, roof, walls, etc.) and may often cover other structures, such as your deck or garage.
• Personal Property Protection. This provides coverage for your personal belongings up to a certain amount. Of course, the more protection you need, the higher your policy will typically cost.
• Liability Protection. This provides coverage in the event that someone (not living with you) is injured on your property, covering medical bills and legal expenses.
• Additional Living Expenses (ALE). This provides coverage for hotel bills, restaurant meals, and other extra costs in the event that you cannot live in your home for a certain period due to damage on an insured claim.

It’s worth noting that there are certain disasters — such as earthquakes and floods — that are not always covered in homeowners insurance policies. If you live in an area that is prone to these types of events, you will need to purchase the necessary insurance or make sure it is added to your homeowners insurance policy.

How Much Homeowners Insurance Do I Need?

In most cases, your homeowners insurance company will be able to recommend a coverage limit for your home’s structure — based on how much you paid for your home or the current market price — but it’s also wise to consider factors such as local rebuilding costs and your home’s “hard-to-replace” features.

As for personal property protection, it’s easy to underestimate how much stuff you own. The term applies to furniture, appliances, clothes, electronics, jewelry, and much more, so you should do a full inventory check to determine the total value of your possessions. It’s also important to note that high-ticket items, such as expensive jewelry or musical instruments, may require additional coverage.

Most homeowners insurance policies have a minimum liability coverage amount of $100,000, but it’s highly recommended that you get at least $300,000 – $500,000 in liability coverage if possible.

Finally additional living expenses (ALE), you will need to estimate the difference between your typical cost of living and what you would need to spend as a result of not being able to occupy your home for a certain period. So, if you typically spend $150 a week for groceries and now need to pay $300 a week because you’re going out to eat, ALE would cover the $150 difference — not the full $300.

What Is the Best Home Insurance?

The best home insurance company for you will depend on a handful of factors, such as the state you live in and what you value most in a home insurance company.

The four homeowners insurance companies on our list are only a few of the top options you should strongly consider.

Who Has the Cheapest Home Insurance?

Home insurance rates vary from state to state and are also dependent on the type of coverage you need.

For someone who needs minimal coverage, company “A” may have the lowest rates, whereas for someone who needs additional coverage, company “B” may have the lowest rates.

It’s wise to get multiple quotes before ultimately purchasing a new home insurance policy, as the cheapest policy for someone else may not necessarily be the cheapest policy for you.

What Is the Typical Cost of Home Insurance Coverage?

On average, homeowners insurance costs $1,445 annually and roughly $120 per month, but the average premium also varies by state.

A state such as Delaware has some of the lowest home insurance rates, while a state such as Oklahoma has some of the highest rates.

How Can I Lower My Homeowners Insurance?

There are a handful of ways to lower your homeowners insurance costs.

To start, shop around. Get quotes from multiple companies and find out who is offering the lowest premium for the coverage you need.

Also, if you think you may have more coverage than what you actually need, or if are willing to pay more money out of pocket during a claim, you might choose to reduce your coverage or raise your deductible — which may also lower your annual premium.

Do I Need Homeowners Insurance If My Home Is Paid Off?

If your home is paid off, you are not legally required to purchase homeowners insurance.

With that said, it’s not recommended that you drop your homeowners insurance. The reality is that disaster could strike at any time, and you would still want to have financial protection for all of your assets.

Is Flood Insurance Included with My Homeowners Insurance Policy?

Neither flood insurance nor earthquake insurance is typically included in a standard homeowners insurance policy.

If you want flood insurance, you should consider purchasing special insurance or adding it to an existing policy — particularly if you live in a high-risk flood zone.

Make Sure Your Home and Belongings Are Safe

You never know when disaster will strike or when theft will incur, so it’s critical that you purchase a homeowners insurance policy. The relatively small premium paid towards your policy each month could pay off in a big way if the unexpected were to happen.

With four of the best homeowners insurance companies and some key information to help you determine the coverage you need, shop around for a few quotes today and get protection for your assets!

The post 3 Best Homeowners Insurance Companies Of 2024 appeared first on Wall Street Insanity.

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Your 50s can feel like standing at a crossroads: a blend of wisdom from years of experience and the thrill of new opportunities.

This decade is a pivotal time to redefine your path, especially in the realm of business and personal growth.

Let’s dive into strategic actions that can transform your professional and personal life. These moves could drive you to the next level.

1. Start Retirement Planning With Expert Help

Do you know if you have enough saved to retire early? More importantly, do you know how to properly manage your savings to maximize your retirement income? The smartest thing you can do for your money and retirement is plan. Starting as soon as possible could lead to an amazing outcome.

Get expert help. A company named SmartAsset works with a robust network of financial advisors all across the U.S., including individual advisors and large investment firms. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.

If you have more than $50,000 in investments (it could be a combination of cash, stocks, bonds or other assets), check out the free service from SmartAsset. Start by taking the 3 minute retirement quiz right here from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes. Smart Asset is now matching over 50,000 people a month.

Here’s how it works:
1. Answer SmartAsset advisor match quiz
2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.
3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future

If you have more than $50,000 in investments why not try it? It takes 3 minutes. Take the retirement quiz right here, and get matched for free now.

2. Protect Your Family With A $100,000 Life Insurance Policy (It May Cost Less Than $1 A Day!)

If there are important things you do today, make sure this is on the list because one of the most important things you can do for the wealth of your family is to protect them. We hate to think about it, but who would make the mortgage or rent payments if something were to happen to you? An extra $100,000 could go a very long way.

Life insurance is made fast, easy, and entirely online with Ethos, a company that lets you apply in minutes (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Get up to $100,000 in coverage. Don’t put this off until tomorrow, because you might forget about it before it becomes too late. The longer you wait to get life insurance, the more expensive it becomes. That’s because prices go up as you age. It’s best to lock in a low rate as soon as possible.

With Ethos, you’ll simply answer a few health questions as part of the online application. Ethos has helped protect over 200,000 families and has provided over $65 billion in coverage. Ethos is the #1 online life insurance provider.

Coverage is affordable through Ethos, term life insurance policies go higher or lower depending on factors like age, health and coverage amount, you can complete the company’s application in 5 minutes right now.

Get your free quote from Ethos today and help ensure your family’s financial future is secure. Click right here to see your rates.

3. Get Up to $5,000,000 In Funding To Take Your Company To The Next Level & Make More Money (Must Be In Business At Least 1 Year With $50k+ In Yearly Revenue)

Think you got enough cash for your business? That’s great. Think you might need more for payroll, expansion, working capital, equipment, or something else? Most businesses can make use of extra cash to make more money.

If your company is incorporated as a corporation or is an LLC and has over $50,000 in yearly revenue, then you’ve got a good chance of getting funding. Over 85,000 companies have secured more than $2.5 billion through Fundera. The Fundera service is free to use and there’s no impact to your credit score.

Fundera could help your business get to the next level. Just answer a few questions about your business and Fundera will show you pre-approved offers from up to 20 funding options up to $5,000,000 in 2 minutes, so you can choose what’s best for you. They will even provide you with one of their very own lending specialists who can help you go over your options and determine which loan is best for you.

See all your business loan options now. Find out right now how much funding Fundera might get your business.

4. Invest In Gold With Tax Benefits

For a long time, the wealthy have been aware that gold is one of the top ways to safeguard against economic uncertainty and inflation. Given the present economy, investing in gold is a straightforward way to diversify your portfolio. This can also help safeguard your 401k and/or IRA.

Do you have at least $10k in one bank account balance? Or at least $10k in an existing retirement account? If so, then a gold IRA could be a great way to diversify. A gold IRA (investment retirement account) could help you take advantage of investing in gold with big tax benefits, and it’s easier to set up than you might think.

A company named Birch Gold is a leading dealer of physical precious metals in the United States. They can help you set up a gold IRA with ease. With a gold IRA, investing in gold can be as easy as investing into stocks.

Right now they have a promotion that you can get up to $10,000 in precious metals for free if you qualify. Enter some basic information and grab your free info kit, a Birch Gold Group gold expert will contact you for a free no-obligation consultation right here. Make sure to ask how you can qualify for up to $10,000 in free precious metals and ask any questions you can think of!

Get your free info kit and free phone consultation right here.

5. Get A Financial Pro On Your Team Today (This Isn’t Just For Billionaires)

Do you have a financial advisor to help you make big money moves (from investments, to tax planning, to everyday money questions and more)? Why not?!

If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), answer the 2-minute short questionnaire right here, and the free service from WiserAdvisor will instantly match you with up to three fiduciary financial advisers, all legally bound to work in your best interest.

You’ll even get a free no obligation consultation. WiserAdvisor has successfully helped over 100,000+ individuals like you match with a financial advisor.

This has the potential to be hugely beneficial: It’s free to use the WiserAdvisor service (and takes 2 minutes) if you have a portfolio over $50k, don’t let the opportunity pass you up. Answer the short questionnaire right here.

6. Lower Your Homeowners Insurance Bill Right Now

When was the last time you checked your homeowners insurance rate? Don’t you hate overpaying? Homeowners insurance rates have skyrocketed and insurance companies love when their customers don’t shop around. You could be saving money! For many people, there are cheaper rates floating around but they just don’t know where to look.

With the Credible homeowners insurance marketplace, you could find out right now with just a few clicks if there is a cheaper rate for the same exact homeowners insurance you currently have.

Just enter some basic information about your home and Credible will show you multiple insurance carriers at one time instantly. Saving you a ton of time and potentially a good amount of money.

Licensed agents are available to help. No robocalls or personal info sold.

Why wait? Check your homeowners insurance right right here.

7. Check Your Mortgage Refinance Rates Online In 2 Minutes

Interest rates have come down a little bit from their highs. For a number of people it makes sense to start looking at whether mortgage refinancing can save you money.

By refinancing with New American Funding, you could potentially save thousands of dollars each year on your home payments. Here’s how it works — you find a new home loan that, ideally, has a lower interest rate and better terms, and then use it to replace your current home loan. Sounds simple enough, right?

With New American Funding you get a 5 year rate protection pledge, which means if rates drop, you can refinance with no fees (terms apply). Check your rates now right here in under 2 minutes by answering a few questions and find out how much cash you might be able to get.

New American Funding has funded $69 billion in home loans since 2010. There is no minimum credit score to get approved with New American Funding.

Find out if a mortgage refinance can save you money with New American Funding now by clicking right here!

New American Funding: NMLS#6606

The post 7 Powerful Moves To Make Before Turning 60 appeared first on Wall Street Insanity.

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Making smarter decisions today can really payoff big. No more time to waste. You likely know this, and that’s why you’re reading this. So let’s jump right in.

If you’re in your 40s, and a homeowner or business owner, you’ve got a lot on your plate. These moves could help.

1. If You’re A Business Owner: Get Funding Of Up To $5,000,000 To Take Your Company To The Next Level (Must have at least $50,000 in annual revenue)

Think you got enough cash for your business? That’s great. Think you could use more money for hiring new employees, expansion, working capital, equipment, make an acquisition, invest in research and development, or something else? Most businesses can make use of extra cash to make more money.

If your company is incorporated as a corporation or is an LLC with over $50,000 in yearly revenue and has been in business for at least 2 years, the free service from Fundera will show you up to 20 funding options (from loans to business lines of credit and more) from $10,000 to $5,000,000 in just 2 minutes, so you can take your business to the next level. Just answer a few questions about your business and find out how much you qualify for right here.

It’s free to use the service, there’s no obligation, and won’t effect your credit. Over 85,000 companies have secured more than $2.5 billion through Fundera. If you’d like they will even provide you with one of their very own lending specialists who can help you go over your options and determine which loan is best for you.

Find out right now how much funding Fundera might get your business.

2. You Might Be Able To Lower Your Homeowners Insurance Bill Right Now

When was the last time you checked your homeowners insurance rate? Don’t you hate overpaying? Homeowners insurance rates have skyrocketed and insurance companies love when their customers don’t shop around. You could be saving money! For many people, there are cheaper rates floating around but they just don’t know where to look.

With the Credible homeowners insurance marketplace, you could find out right now with just a few clicks if there is a cheaper rate for the same exact homeowners insurance you currently have.

Just enter some basic information about your home and Credible will show you multiple insurance carriers at one time instantly. Saving you a ton of time and potentially a good amount of money.

Why wait? Check your homeowners insurance right right here.

3. Get A Financial Pro On Your Team Now (This Isn’t Just For The Super Rich)

There is no better time to plan for your financial future than now, and you can get a financial pro to help. A financial advisor could help you make big money moves (from retirement planning, to investments, to tax planning, to general questions and more). You get a free consultation if you act now as well!

If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), this free service right here from SmartAsset will instantly match you with up to three fiduciary financial advisers to help plan your retirement moves, all legally bound to work in your best interest.

You’ll be offered a free no obligation phone consultation which is great to take advantage of to ask questions. SmartAsset matches 50,000 people just like you with Financial Advisors each month.

This has the potential to be hugely beneficial: Take action now because it’s free for our readers to use the SmartAsset service (and takes just 2 minutes) if you have a portfolio over $50k, don’t let the opportunity pass you up. Answer the short questionnaire right here.

4. Protect Your Family & Wealth With An Extra $2,000,000 In Life Insurance Coverage (This Is A Must And Is Affordable!)

If there are important things you do today, make sure this is on the list because one of the most important things you can do for the wealth of your family is to protect them. We hate to think about it, but who would make the mortgage or rent payments if something were to happen to you? An extra $2,000,000 could go a very long way.

The reality is the longer you wait to get life insurance, the more expensive it becomes. That’s because prices go up as you age. It’s best to lock in a low rate as soon as possible before it gets too expensive or you forget about it and it becomes too late. It’s also best to get higher coverage than you think you need, because people underestimate how much cash they actually need. Don’t put off protecting your family’s future any longer.

Life insurance is made fast, easy, and entirely online with Ethos, a company that lets you apply in minutes (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Get up to $2,000,000 in coverage. Don’t put this off until tomorrow, because you might forget about it before it becomes too late.

With Ethos, you’ll simply answer a few health questions as part of the online application. Ethos has helped protect over 100,000 families and has provided over $34 billion in coverage.

Coverage is affordable through Ethos, term life insurance policies go higher or lower depending on factors like age, health and coverage amount, you can complete the company’s application in 5 minutes right now.

Get your free quote from Ethos today and help ensure your family’s financial future is secure.

5. Get The Free Banking & Accounting Built For Business Owners,Freelancers, & Solopreneurs

Managing your finances can be a big task when you are your own boss. Fortunately, there’s a company that has built an all-in-one banking solution for the self-employed. Found offers an online bank account, along with bookkeeping, taxes, and other financial tools, to help self-employed individuals grow their businesses. It’s free to sign up in a few minutes, with no credit check, no minimum balance, and no hidden fees.  With Found, Deposits are insured up to $250K through their banking partner, Piermont Bank.

• Free bank account, free debit card, no credit check, no minimum balance and no hidden fees
• Banking, taxes, bookkeeping – all in one place
• Real-time expense tracking and categorization with easy receipt capture
• Simplify tax season with automated tax saving, write-off tracking, and the option to pay taxes directly from Found
• Customize and send professional invoices in seconds for free
• Integrates with popular business apps, including Quickbooks, PayPal, and Stripe
• Sign up in minutes. No credit check. No minimum balance and no required fees

Ready to take your self employed banking to the next level? Sign up for an account here for free in under 5 minutes.

Disclaimer: Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

6. Check Your Mortgage Refinance Rates or Home Equity Loan Rates In 2 Minutes

Interest rates have come down a little bit from their highs. For a number of people it makes sense to start looking at whether mortgage refinancing can save you money.

By refinancing, you could potentially save thousands of dollars each year on your home payments. Here’s how it works — you find a new home loan that, ideally, has a lower interest rate and better terms, and then use it to replace your current home loan. Sounds simple enough, right?

With New American Funding you get a 5 year rate protection pledge, which means if rates drop, you can refinance with no fees (terms apply). Check your rates now right with New American Funding in under 2 minutes by answering a few questions and find out how much cash you might be able to get (you can also check your home equity loan rates).

New American Funding has funded $69 billion in home loans since 2010. There is no minimum credit score to get approved with New American Funding.

Find out if a mortgage refinance can save you money with New American Funding now by clicking right here!

New American Funding: NMLS#6606

The post 6 Powerful Moves Homeowners or Business Owners In Their 40s Could Make Now appeared first on Wall Street Insanity.

Your 40s can feel like standing at a crossroads: a blend of wisdom from years of experience and the thrill of new opportunities.

This decade is a pivotal time to redefine your path, especially in the realm of business and personal growth.

Let’s dive into strategic actions that can transform your professional and personal life.

1. Get Up to $5,000,000 In Funding To Take Your Company To The Next Level (Must Be In Business At Least 1 Year With $50k+ In Yearly Revenue)

Think you got enough cash for your business? That’s great. Think you might need more for payroll, expansion, working capital, equipment, or something else? Most businesses can make use of extra cash to make more money.

If your company is incorporated as a corporation or is an LLC and has over $50,000 in yearly revenue, then you’ve got a good chance of getting funding. Over 85,000 companies have secured more than $2.5 billion through Fundera. The Fundera service is free to use and there’s no impact to your credit score.

Fundera could help your business get to the next level. Just answer a few questions about your business and Fundera will show you pre-approved offers from up to 20 funding options up to $5,000,000 in 2 minutes, so you can choose what’s best for you. They will even provide you with one of their very own lending specialists who can help you go over your options and determine which loan is best for you.

See all your business loan options now. Find out right now how much funding Fundera might get your business.

2. Protect Your Family With An Extra $2,000,000 (This Is A Must And Is Affordable!)

Make sure to try this because it’s one of the most important things you can do for the protection of your family. We hate to think about it, but who would make the mortgage or rent payments if something were to happen to you? An extra $2,000,000 could go a very long way for anyone.

The reality is the longer you wait to get life insurance, the more expensive it becomes. That’s because prices go up as you age. It’s best to lock in a low rate as soon as possible. It’s also best to get higher coverage than you think you need, because people underestimate how much cash their family actually would need.

Life insurance is made fast, easy, and entirely online with the #1 online life insurance provider Ethos, a company that lets you apply in minutes (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Get up to $2,000,000 in coverage. Don’t put this off until tomorrow, because you might forget about it before it becomes too late.

With Ethos, you’ll simply answer a few health questions as part of the online application. Ethos has helped protect over 100,000 families and has provided over $34 billion in coverage.

Coverage is affordable through Ethos, term life insurance policies go higher or lower depending on factors like age, health and coverage amount, you can complete the company’s application in 5 minutes right now.

Get your free quote from Ethos today and help ensure your family’s financial future is secure.

3. Get The Banking Built For Freelancers, Independent Contractors, Or Solopreneurs

Managing your finances can be a big task when you are your own boss. Fortunately, there’s a company that has built an all-in-one banking solution for the self-employed. Found offers an online bank account, along with bookkeeping, taxes, and other financial tools, to help self-employed individuals grow their businesses. It’s free to sign up in a few minutes, with no credit check, no minimum balance, and no hidden fees. Deposits are insured up to $250K through their banking partner, Piermont Bank.

• Free bank account, free debit card, no credit check, no minimum balance and no hidden fees
• Banking, taxes, bookkeeping – all in one place
• Real-time expense tracking and categorization with easy receipt capture
• Simplify tax season with automated tax saving, write-off tracking, and the option to pay taxes directly from Found
• Customize and send professional invoices in seconds for free
• Integrates with popular business apps, including Quickbooks, PayPal, and Stripe
• Sign up in minutes. No credit check. No minimum balance and no required fees

Ready to take your self employed banking to the next level? Sign up for an account here for free in under 5 minutes.

Disclaimer: Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

4. Invest In Gold With Tax Benefits

For a long time, the wealthy have been aware that gold is one of the top ways to safeguard against economic uncertainty and inflation. Given the present economy, investing in gold is a straightforward way to diversify your portfolio. This can also help safeguard your 401k and/or IRA.

Do you have at least $10k in one bank account balance? Or at least $10k in an existing retirement account? If so, then a gold IRA could be a great way to diversify. A gold IRA (investment retirement account) could help you take advantage of investing in gold with big tax benefits, and it’s easier to set up than you might think.

A company named Birch Gold is a leading dealer of physical precious metals in the United States. They can help you set up a gold IRA with ease. With a gold IRA, investing in gold can be as easy as investing into stocks.

Right now they have a promotion that you can get up to $10,000 in precious metals for free if you qualify. Enter some basic information and grab your free info kit, a Birch Gold Group gold expert will contact you for a free no-obligation consultation right here. Make sure to ask how you can qualify for up to $10,000 in free precious metals and ask any questions you can think of!

Get your free info kit and free phone consultation right here.

5. Get A Financial Pro On Your Team Today (This Isn’t Just For Billionaires)

Do you have a financial advisor to help you make big money moves (from investments, to tax planning, to everyday money questions and more)? Why not?!

If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), answer the 2-minute short questionnaire right here, and the free service from WiserAdvisor will instantly match you with up to three fiduciary financial advisers, all legally bound to work in your best interest.

You’ll even get a free no obligation consultation. WiserAdvisor has successfully helped over 100,000+ individuals like you match with a financial advisor.

This has the potential to be hugely beneficial: It’s free to use the WiserAdvisor service (and takes 2 minutes) if you have a portfolio over $50k, don’t let the opportunity pass you up. Answer the short questionnaire right here.

6. Lower Your Homeowners Insurance Bill Right Now

When was the last time you checked your homeowners insurance rate? Don’t you hate overpaying? Homeowners insurance rates have skyrocketed and insurance companies love when their customers don’t shop around. You could be saving money! For many people, there are cheaper rates floating around but they just don’t know where to look.

With the Credible homeowners insurance marketplace, you could find out right now with just a few clicks if there is a cheaper rate for the same exact homeowners insurance you currently have.

Just enter some basic information about your home and Credible will show you multiple insurance carriers at one time instantly. Saving you a ton of time and potentially a good amount of money.

Why wait? Check your homeowners insurance right right here.

7. Start Retirement Planning With Expert Help

Do you know if you have enough saved to retire early? More importantly, do you know how to properly manage your savings to maximize your retirement income? The smartest thing you can do for your money and retirement is plan. Starting as soon as possible could lead to an amazing outcome.

Get expert help. A company named SmartAsset works with a robust network of financial advisors all across the U.S., including individual advisors and large investment firms. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.

If you have more than $50,000 in investments (it could be a combination of cash, stocks, bonds or other assets), check out the free service from SmartAsset. Start by taking the 3 minute retirement quiz right here from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes. Smart Asset is now matching over 50,000 people a month.

Here’s how it works:
1. Answer SmartAsset advisor match quiz
2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.
3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future

If you have more than $50,000 in investments why not try it? It takes 3 minutes. Take the retirement quiz right here, and get matched for free now.

The post 6 Powerful Moves For Business Owners & People In Their 40s appeared first on Wall Street Insanity.

Making smarter decisions today can really payoff big. No more time to waste. You likely know this, and that’s why you’re reading this. So let’s jump right in.

If you’re in your 60s and a homeowner or business owner, there’s no better time than today. Whether it’s retirement or your financial future next week, here are 6 top moves.

We always think we know best, but sometimes there are options right in front of us that could help us more than we’ve imagined.

1. Are You Ready For Retirement? Take The 2 Minute Quiz and Get Expert Help At Your Fingertips

The smartest you can do for retirement is plan. Starting as early as possible could lead to an amazing outcome. Getting help along the way could be a huge benefit. Things like tax planning, retirement savings, investments, and much more.

A company named SmartAsset works with a robust network of financial advisors all across the U.S., including individual advisors and large investment firms to cater to anyone’s financial situation. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.

If you have more than $50,000 in investment (it could be a combination of cash, stocks, bonds or other assets), check out the free service from SmartAsset. Start by taking the retirement quiz right here from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 2 minutes. Smart Asset is now matching over 50,000 people a month.

Here’s how it works:
1. Answer SmartAsset advisor match quiz
2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.
3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future

If you have more than $50,000 in investment why not try it? Take the retirement quiz right here.

2. Get Funding Of Up To $5,000,000 To Take Your Company To The Next Level (Must have at least $50,000 in annual revenue)

If your company is incorporated as a corporation or is an LLC with over $50,000 in yearly revenue and has been in business for at least 2 years, you’ve got a great chance of getting funding. The free service from Fundera by NerdWallet will show you up to 20 funding options (from business loans to business lines of credit and more) from $10,000 to $5,000,000 in just 2 minutes, so you can take your business to the next level.

It’s free to use, there’s no obligation, and won’t effect your credit. Just answer a few questions about your business and find out how much you qualify for right here on the Fundera website.

Most businesses can make use of extra cash to hire new employees, expansion, working capital, equipment, make an acquisition, invest in research and development, or something else.

Over 85,000 companies have secured more than $2.5 billion through Fundera. If you’d like they will even provide you with one of their very own lending specialists who can help you go over your options and determine which loan is best for you.

Find out right now how much funding Fundera might get your business.

3. Get Business Insurance Today to Protect Your Company (Don’t Risk It)

Business insurance is crucial for protecting your company against unexpected risks and financial losses. It can cover everything from property damage to liability claims to cyber insurance, ensuring that one unforeseen event doesn’t cripple your business. Without insurance, you might face significant out-of-pocket expenses that could jeopardize your company’s future.

Choosing The Hartford for your business insurance needs offers unparalleled peace of mind. With 200+ years in business, and a long-standing reputation for reliability and excellent customer service, The Hartford provides comprehensive coverage tailored to your specific industry. They cover over 1 million small business owners.

Moreover, The Hartford offers competitive rates and a range of customizable options to suit businesses of all sizes. Their expert agents work closely with you to understand your risks and create a policy that fits your budget. By opting for The Hartford, you’re investing in a partnership that prioritizes your business’s security and success.

Get a free quote right here.

4. Get The Free Banking & Accounting Built For Business Owners, & Solopreneurs

Managing your finances can be a big task when you are your own boss. Fortunately, there’s a company that has built an all-in-one banking solution for the self-employed. Found offers an online bank account, along with bookkeeping, taxes, and other financial tools, to help self-employed individuals grow their businesses. It’s free to sign up in a few minutes, with no credit check, no minimum balance, and no hidden fees. With Found, Deposits are insured up to $250K through their banking partner, Piermont Bank.

• Free bank account, free debit card, no credit check, no minimum balance and no hidden fees
• Banking, taxes, bookkeeping – all in one place
• Real-time expense tracking and categorization with easy receipt capture
• Simplify tax season with automated tax saving, write-off tracking, and the option to pay taxes directly from Found
• Customize and send professional invoices in seconds for free
• Integrates with popular business apps, including Quickbooks, PayPal, and Stripe
• Sign up in minutes. No credit check. No minimum balance and no required fees

Ready to take your self employed banking to the next level? Sign up for an account here for free in under 5 minutes.

Disclaimer: Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

5. Learn How To Invest In Gold With Tax Benefits

For a long time, the wealthy have been aware that gold is one of the top ways to safeguard against economic uncertainty and inflation. Given the present economy, investing in gold is a straightforward way to diversify your portfolio. This can also help safeguard your 401k and/or IRA.

Do you have at least $10k in one bank account balance? Or at least $10k in an existing retirement account? If so, then a gold IRA could be a great way to diversify. A gold IRA (investment retirement account) could help you take advantage of investing in gold with big tax benefits, and it’s easier to set up than you might think.

A company named Birch Gold is a leading dealer of physical precious metals in the United States. With a gold IRA, investing in gold can be as easy as investing into stocks.

Right now they have a promotion that you can get up to $10,000 in precious metals for free if you qualify. Enter some basic information and grab your free info kit, a Birch Gold Group gold expert will contact you for a free no-obligation consultation right here. Make sure to ask how you can qualify for up to $10,000 in free precious metals and ask any questions you can think of!

Get your free info kit and free phone consultation right here.

6. Use Your Home To Borrow Cash At a Potentially Lower Interest Rate

If you’re in need of cash to do something like pay off debt, make a home improvement or make any other kind of large purchase, you could use your home to take out a potentially lower interest home equity loan instead of using a high interest credit card or other higher interest loan. You could use the cash for virtually anything you want and potentially save lots of money in interest payments.

With New American Funding you get a 5 year rate protection pledge, which means if rates drop, you can refinance with no fees (terms apply).

Check your rates now right with New American Funding in under 2 minutes by answering a few questions and find out how much cash you might be able to get.

A home equity loan allows you to borrow money using the equity in your home as collateral. Because you’re using your home as collateral you usually can get much better interest rates than other loans or using a credit card. You receive the money from a home equity loan as a lump sum, and you pay back the loan in monthly payments.

New American Funding has funded $69 billion in home loans since 2010. There is no minimum credit score to get approved with New American Funding.

Find out how much cash you might be able to get from New American Funding now by clicking right here!

New American Funding: NMLS#6606

The post 6 Powerful Moves Homeowners & Business Owners Over 60 Could Make Today appeared first on Wall Street Insanity.

Your 50s can feel like standing at a crossroads: a blend of wisdom from years of experience and the thrill of new opportunities.

This decade is a pivotal time to redefine your path, especially in the realm of business and personal growth.

Let’s dive into strategic actions that can transform your professional and personal life. Whether you’re a seasoned business owner or seeking to maximize your potential, these moves could drive you to the next level.

1. Get A Financial Pro On Your Team Today (This Isn’t Just For Billionaires)

Do you have a financial advisor to help you make big money moves (from investments, to retirement planning, tax planning, to everyday money questions and more)? Why not?!

If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), answer the 2-minute short questionnaire right here, and the free service from WiserAdvisor will instantly match you with up to three fiduciary financial advisers, all legally bound to work in your best interest.

You’ll even get a free no obligation consultation. WiserAdvisor has successfully helped over 100,000+ individuals like you match with a financial advisor.

This has the potential to be hugely beneficial: It’s free to use the WiserAdvisor service (and takes 2 minutes) if you have a portfolio over $50k, don’t let the opportunity pass you up. Answer the short questionnaire right here.

2. Get Up to $5,000,000 In Funding To Take Your Company To The Next Level & Make More Money (Must Be In Business At Least 1 Year With $50k+ In Yearly Revenue)

Think you got enough cash for your business? That’s great. Think you might need more for payroll, expansion, working capital, equipment, or something else? Most businesses can make use of extra cash to make more money.

If your company is incorporated as a corporation or is an LLC and has over $50,000 in yearly revenue, then you’ve got a good chance of getting funding. Over 85,000 companies have secured more than $2.5 billion through Fundera. The Fundera service is free to use and there’s no impact to your credit score.

Fundera could help your business get to the next level. Just answer a few questions about your business and Fundera will show you pre-approved offers from up to 20 funding options up to $5,000,000 in 2 minutes, so you can choose what’s best for you. They will even provide you with one of their very own lending specialists who can help you go over your options and determine which loan is best for you.

See all your business loan options now. Find out right now how much funding Fundera might get your business.

3. Protect Your Family With An Extra $2,000,000 (This Is A Must And Is Affordable!)

Make sure to try this because it’s one of the most important things you can do for the protection of your family. We hate to think about it, but who would make the mortgage or rent payments if something were to happen to you? An extra $2,000,000 could go a very long way for anyone.

The reality is the longer you wait to get life insurance, the more expensive it becomes. That’s because prices go up as you age. It’s best to lock in a low rate as soon as possible. It’s also best to get higher coverage than you think you need, because people underestimate how much cash their family actually would need.

Life insurance is made fast, easy, and entirely online with the #1 online life insurance provider Ethos, a company that lets you apply in minutes (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Get up to $2,000,000 in coverage. Don’t put this off until tomorrow, because you might forget about it before it becomes too late.

With Ethos, you’ll simply answer a few health questions as part of the online application. Ethos has helped protect over 100,000 families and has provided over $34 billion in coverage.

Coverage is affordable through Ethos, term life insurance policies go higher or lower depending on factors like age, health and coverage amount, you can complete the company’s application in 5 minutes right now.

Get your free quote from Ethos today and help ensure your family’s financial future is secure.

4. Get The Banking Built For Business Owners

Managing your finances can be a big task when you are your own boss. Fortunately, there’s a company that has built an all-in-one banking solution for the self-employed. Found offers an online bank account, along with bookkeeping, taxes, and other financial tools, to help self-employed individuals grow their businesses. It’s free to sign up in a few minutes, with no credit check, no minimum balance, and no hidden fees. Deposits are insured up to $250K through their banking partner, Piermont Bank.

• Free bank account, free debit card, no credit check, no minimum balance and no hidden fees
• Banking, taxes, bookkeeping – all in one place
• Real-time expense tracking and categorization with easy receipt capture
• Simplify tax season with automated tax saving, write-off tracking, and the option to pay taxes directly from Found
• Customize and send professional invoices in seconds for free
• Integrates with popular business apps, including Quickbooks, PayPal, and Stripe
• Sign up in minutes. No credit check. No minimum balance and no required fees

Ready to take your self employed banking to the next level? Sign up for an account here for free in under 5 minutes.

Disclaimer: Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

5. Invest In Gold With Tax Benefits

For a long time, the wealthy have been aware that gold is one of the top ways to safeguard against economic uncertainty and inflation. Given the present economy, investing in gold is a straightforward way to diversify your portfolio. This can also help safeguard your 401k and/or IRA.

Do you have at least $10k in one bank account balance? Or at least $10k in an existing retirement account? If so, then a gold IRA could be a great way to diversify. A gold IRA (investment retirement account) could help you take advantage of investing in gold with big tax benefits, and it’s easier to set up than you might think.

A company named Birch Gold is a leading dealer of physical precious metals in the United States. They can help you set up a gold IRA with ease. With a gold IRA, investing in gold can be as easy as investing into stocks.

Right now they have a promotion that you can get up to $10,000 in precious metals for free if you qualify. Enter some basic information and grab your free info kit, a Birch Gold Group gold expert will contact you for a free no-obligation consultation right here. Make sure to ask how you can qualify for up to $10,000 in free precious metals and ask any questions you can think of!

Get your free info kit and free phone consultation right here.

6. Lower Your Homeowners Insurance Bill Right Now

When was the last time you checked your homeowners insurance rate? Don’t you hate overpaying? Homeowners insurance rates have skyrocketed and insurance companies love when their customers don’t shop around. You could be saving money! For many people, there are cheaper rates floating around but they just don’t know where to look.

With the Credible homeowners insurance marketplace, you could find out right now with just a few clicks if there is a cheaper rate for the same exact homeowners insurance you currently have.

Just enter some basic information about your home and Credible will show you multiple insurance carriers at one time instantly. Saving you a ton of time and potentially a good amount of money.

Licensed agents are available to help. No robocalls or personal info sold.

Why wait? Check your homeowners insurance right right here.

7. Start Retirement Planning With Expert Help

Do you know if you have enough saved to retire early? More importantly, do you know how to properly manage your savings to maximize your retirement income? The smartest thing you can do for your money and retirement is plan. Starting as soon as possible could lead to an amazing outcome.

Get expert help. A company named SmartAsset works with a robust network of financial advisors all across the U.S., including individual advisors and large investment firms. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.

If you have more than $50,000 in investments (it could be a combination of cash, stocks, bonds or other assets), check out the free service from SmartAsset. Start by taking the 3 minute retirement quiz right here from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes. Smart Asset is now matching over 50,000 people a month.

Here’s how it works:
1. Answer SmartAsset advisor match quiz
2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.
3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future

If you have more than $50,000 in investments why not try it? It takes 3 minutes. Take the retirement quiz right here, and get matched for free now.

The post 6 Powerful Moves For Business Owners & People In Their 50s appeared first on Wall Street Insanity.

Business owners and entrepreneurs are a different breed. It usually takes hard work, determination, and persistence to succeed.

While you run your business, here are 5 things that could make things just a little easier (for both business and personal). Take advantage of them and find out how they can help you.

1. Business Owners: Get Up To $5,000,000 In Funding To Take Your Business To The Next Level (Must have at least $50,000 in annual revenue)

Most businesses can make use of extra cash to hire new employees, expansion, working capital, equipment, make an acquisition, invest in research and development, or something else.

It takes just 2 minutes with Fundera to check how much you can get.

If your company is incorporated as a corporation or is an LLC with over $50,000 in yearly revenue, you’ve got a great chance of getting approved. The free service from Fundera will show you up to 20 funding options up to $5,000,000, so you can take your business to the next level. Get your money in as fast as the same business day.

It’s free to use, there’s no obligation, and won’t effect your credit. Just answer a few questions about your business and find out how much you qualify for right here on the Fundera website.

Over 85,000 companies have secured more than $2.5 billion through Fundera. If you’d like they will even provide you with one of their very own lending specialists who can help you go over your options and determine which offer is best for you.

Find out right now how much funding Fundera might get your business.

2. Get The Free Banking & Accounting Built For Business Owners, & Solopreneurs

Managing your finances can be a big task when you are your own boss. Fortunately, there’s a company that has built an all-in-one banking solution for the self-employed. Found offers an online bank account, along with bookkeeping, taxes, and other financial tools, to help self-employed individuals grow their businesses. It’s free to sign up in a few minutes, with no credit check, no minimum balance, and no hidden fees. With Found, Deposits are insured up to $250K through their banking partner, Piermont Bank.

• Free bank account, free debit card, no credit check, no minimum balance and no hidden fees
• Banking, taxes, bookkeeping – all in one place
• Real-time expense tracking and categorization with easy receipt capture
• Simplify tax season with automated tax saving, write-off tracking, and the option to pay taxes directly from Found
• Customize and send professional invoices in seconds for free
• Integrates with popular business apps, including Quickbooks, PayPal, and Stripe
• Sign up in minutes. No credit check. No minimum balance and no required fees

Ready to take your self employed banking to the next level? Sign up for an account here for free in under 5 minutes.

Disclaimer: Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

3. List Your Product Or Service On This Marketplace To Find New Customers

Want new customers? You should join the online discovery marketplace called VOICED Market. It’s newer but becoming more popular for customers and business owners. Imagine if you joined Yelp in the early days before it became much harder to get customers.

The VOICED Market platform is where customers shop every sort of product and service imaginable. Whether you are in the food industry, clothing industry, entertainment industry, service industry, fitness and wellness industry, and so much more.

You will be able to create a shop page for your business and then list different services or products to be displayed on your shop page and relevant categories on VOICED Market.

You’ll need to request an invite as soon as possible as acceptance currently is limited. You’ll get an email as soon as your account is ready. As a merchant you’ll be able to list your product or service, receive and respond to reviews, receive emails and phone calls from potential customers, and much more.

Request your invite right here.

4. Protect Your Family With An Extra $2,000,000 (This Is A Must And Is Affordable!)

Make sure to try this because it’s one of the most important things you can do for the protection of your family. We hate to think about it, but who would make the mortgage or rent payments if something were to happen to you? An extra $2,000,000 could go a very long way for anyone.

The reality is the longer you wait to get life insurance, the more expensive it becomes. That’s because prices go up as you age. It’s best to lock in a low rate as soon as possible. It’s also best to get higher coverage than you think you need, because people underestimate how much cash their family actually would need.

Life insurance is made fast, easy, and entirely online with the #1 online life insurance provider Ethos, a company that lets you apply in minutes (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Get up to $2,000,000 in coverage. Don’t put this off until tomorrow, because you might forget about it before it becomes too late.

With Ethos, you’ll simply answer a few health questions as part of the online application. Ethos has helped protect over 100,000 families and has provided over $34 billion in coverage.

Coverage is affordable through Ethos, term life insurance policies go higher or lower depending on factors like age, health and coverage amount, you can complete the company’s application in 5 minutes right now.

Get your free quote from Ethos today and help ensure your family’s financial future is secure.

5. Invest In Gold With Tax Benefits

For a long time, the wealthy have been aware that gold is one of the top ways to safeguard against economic uncertainty and inflation. Given the present economy, investing in gold is a straightforward way to diversify your portfolio. This can also help safeguard your 401k and/or IRA.

Do you have at least $10k in one bank account balance? Or at least $10k in an existing retirement account? If so, then a gold IRA could be a great way to diversify. A gold IRA (investment retirement account) could help you take advantage of investing in gold with big tax benefits, and it’s easier to set up than you might think.

A company named Birch Gold is a leading dealer of physical precious metals in the United States. They can help you set up a gold IRA with ease. With a gold IRA, investing in gold can be as easy as investing into stocks.

Right now they have a promotion that you can get up to $10,000 in precious metals for free if you qualify. Enter some basic information and grab your free info kit, a Birch Gold Group gold expert will contact you for a free no-obligation consultation right here. Make sure to ask how you can qualify for up to $10,000 in free precious metals and ask any questions you can think of!

Get your free info kit and free phone consultation right here.

The post 5 Powerful Moves For Business Owners (You Can Make Right Now With Ease) appeared first on Wall Street Insanity.