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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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Many people dream of having bought stock in huge companies like Microsoft, Apple, and Amazon back when they were just starting out. Even more recently, we think of companies like American electric vehicle manufacturer, Tesla.

Keep reading to find out how much a $1,000 modest investment in Tesla would be worth today and 7 ways to invest in the stock market and your future today.

In June 2010, Tesla launched its first initial public offering (IPO), issuing 13.3 million shares at a price of just $17 per share. With your $1,000 investment, you would have bought 58 shares in Tesla stock.

Tesla completed a 5-for-1 forward stock split in August 2020, so today, you’d also have 5 times the number of shares you bought back in 2010.

Over a decade later, Tesla’s share price is just roughly $672 per share (as of 5/7/21), making your initial investment valued at approximately $194,880!

7 Ways To Invest In The Stock Market & Your Future

1. Invest in the Stock Market with this App

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The historical stock market average return is 10%, beating out any type of savings account.

Think you need to be wealthy to invest in the stock market? Think again. Today, you can invest with almost any amount — even $5!

That’s all it takes with Stash. This app was built to make investing easy and allows you to even invest in fractional shares if you’d like, so you can buy small pieces of your favorite companies — Apple, Amazon, Tesla, you name it — with as little as five bucks.

By creating a portfolio and funding it with at least $5, Stash will even deposit a $5 welcome bonus right into your new account.

Stash provides tools and so much more for all levels of investing needs.

To get started, sign up for Stash today and make your first deposit!

2.Let a Premeire Investment Firm Help You Invest

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Imagine a premier investment firm, but built for everyone. That’s what Titan is.

It manages $500 million for 25,000 clients, and you can also gain access by opening and funding your account with just $100 to get started.

Wall Street caters to wealthy investors, so Titan was built for the rest of us.

Titan is a diverse team of veteran Wall Street investors, engineers, operations, investor relations, and product folks. Their employees and advisors have worked at some of the leading institutions in the world.

Titan doesn’t just invest your capital — they explain everything.

Open an account in 2 minutes with Titan now.

3. Protect Your Family With $1,000,000 or More

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One of the smartest money moves you can make is to protect your family’s financial future. Many people underestimate how much money is needed to provide for their families after they die. This is why life insurance is a must.

The older you are, the more expensive life insurance becomes. And because today is the youngest you’ll ever be, there’s no better time than today to get a life insurance policy.

And with Ladder, it’s easy. All you need is 5 minutes to complete the company’s application form, and you won’t even need to provide a medical exam or fill out physical paperwork.

Plans start at just $12 a month — a price that most people can afford. Plus, Ladder offers coverage up to $8 million. That’s more than enough to make sure your family is taken care of if you were to pass unexpectedly.

Your premium might be higher tomorrow, so don’t wait to get life insurance. Apply for Ladder life insurance today and find out how affordable life insurance can be.

Get a free quote now.

4. Save Hundreds Right Now On Your Car Insurance & Free Up More Investment Cash

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While auto insurance is a necessity, it can also be pretty expensive. But it doesn’t have to be — you might be able to save hundreds on your auto insurance this year.

Let EverQuote tell you in two minutes if this is possible. This site will return multiple auto insurance quotes for you to compare in one place.

That’s a lot of time you’ll save. Just fill out a quick questionnaire.

If you find cheaper insurance than you currently have, EverQuote can help make the switch super easy.

It might save you hundreds of dollars a year.

See your rates now.

5. Potentially Save Thousands on Your Mortgage With This Simple Move

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Your house is probably your biggest investment, which means it’s also one of your greatest opportunities to save money.

By refinancing, you could potentially save thousands of dollars on your house. 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?

Because it is. And with Figure, you can check your mortgage refinance rates in just a few clicks without even impacting your credit score!

Find a loan with a lower interest rate and apply with Figure’s 100% online application. Once you’re approved, Figure will help you close out your new loan quickly so that you can start enjoying your new savings as soon as possible.

To start, check your mortgage refinance rates with Figure today and find out how much you could be saving on your house!

Figure Mortgage Refinance is only available in the following states: AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IN, KS, LA, MA, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, WA, WI, WV.

6. Get Rid Of Credit Card Debt

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Credit cards often come with extremely high interest rates that keep users trapped in debt.

If you have credit card debt, you could eliminate it today by getting a personal loan through Credible.

By getting a personal loan that has a lower interest rate and using it to wipe out your credit card debt, you’ll be left with lower payments going forward.

This marketplace will find you multiple offers on personal loans. Run a search, compare all your options conveniently in one place, and find personal loan options that range from $600 to $100,000.

All it takes is two minutes to check out your rates with Credible and potentially find a loan that wipes out your credit card debt and saves you thousands.

7. Diversify Your Investments

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Diversification is typically a good thing. But for a long time, it was difficult to get exposure to asset classes outside of stocks and real estate unless you had tons of money.

For years, blue-chip artwork was an area that only the super-rich could get involved in. But Masterworks has made it so that anyone can get started investing in top-tier pieces!

Investing in blue-chip artwork — which, according to Artprice, has outperformed the S&P by more than 250% from 2000 – 2018 — might be a good way to diversify your investments and safeguard your money in a fluctuating economy.

Here’s how it works. On the platform, you can invest in a portfolio of iconic works that have been carefully crafted by Masterworks’ team of research professionals. You can wait for Masterworks to sell the artwork at some point during the next 3-10 years, or you have the option to sell your shares to other investors on Masterworks’ secondary market.

You’ll only need to pay a small management fee, and in return, you’ll get all administrative costs covered, professional storage, insurance, regulatory filings, and annual appraisals.

To start investing, simply request an invite for membership today!

See important disclaimer: masterworks.io/disclaimer

8. Save Money with Deals up to 95% Off on Everyday Purchases

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When was the last time you saved 95% on a purchase?

Probably not any time recently. Yet these are the kinds of deals you can find with VOICED Market.

On the platform’s deals page, you’ll find some of the biggest savings opportunities on hot items. Then there’s the coupons page, which allows you to browse discounts across a wide range of categories, from food to entertainment and more.

And who doesn’t love a good freebie? VOICED Market’s freebies page is loaded with plenty of giveaways, free trials, and bonuses.

Subscribe to the VOICED Market newsletter to never miss a beat. You’ll get the rundown of exclusives, daily deals, coupons, and freebies delivered right to your inbox!

The post Here’s How Much Money You’d Have Today If You Bought $1,000 Of Tesla Stock In 2010 appeared first on Wall Street Insanity.

Image via House Of Cards I Facebook

It should come as no surprise that some of the wealthiest people have one very important attribute in common — mental strength.

When it comes to money, so many people get buried under the weight of financial stress and are ultimately unable to make forward progress.

To become like the mentally strong person — the person who is able to continuously move forward and reach their financial goals — it’s critical that you forge the following money habits:

1. Remain optimistic about your finances. 

2. Keep other financially and mentally strong people in your circle. 

3. Become a lifelong student of finance. 

4. Remove emotion from your financial decision-making process. 

5. Always live below your means.

6. Remember to pay yourself first.

11 Quick Ways to Get Financially and Mentally Strong Today

Ready to put your mental toughness into action? Here are some quick ways to financially flex your mental muscles.

1. You Could Leave Your Family with $1.5 Million (Bestow)

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One of the smartest money moves you can make is to protect your family’s financial future. Many people underestimate how much money is needed to provide for their families after they die. This is why life insurance is a must. Make sure your family’s future is secure.

The older you are, the more expensive life insurance becomes. And because today is the youngest you’ll ever be, there’s no better time than today to get a life insurance policy.

Plus, with a company like Bestow, you can actually lock in your rate. As you age and your health declines, you’ll get to keep paying that same low premium.

Bestow’s policies start from as little as $16 a month, and you can get a quote in minutes — without providing a medical exam or filling out paperwork!

And with coverage of up to $1.5 million, you can leave your family with a significant amount of money after you pass.

Get your free quote from Bestow today

2. Invest in the Stock Market and Get a Free $5 Bonus

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Think you need to be wealthy or a financial expert to invest in the stock market? Think again. Today, it’s easy to invest, and with almost any amount — even $5!

That’s all it takes with Stash. This app was built for beginner investing and allows you to invest in fractional shares if you’d like, so you can buy small pieces of your favorite companies — Apple, Amazon, Tesla, you name it — with as little as five bucks.

By creating a portfolio and funding it, Stash will even deposit a $5 welcome bonus right into your new account.

Stash provides tools and more for all levels of investing needs.

Sign up for Stash today

3. Save Hundreds Right Now On Your Car Insurance

Hannes Egler on Unsplash

While auto insurance is a necessity, it can also be pretty expensive. But it doesn’t have to be — you might be able to save hundreds on your auto insurance this year.

Let EverQuote tell you in two minutes if this is possible. This site will return multiple auto insurance quotes for you to compare in one place.

That’s a lot of time you’ll save. Just fill out a quick questionnaire.

If you find cheaper insurance than you currently have, EverQuote can help make the switch super easy.

It might save you hundreds of dollars a year.

See your rates now

4. Diversify Your Investments By Investing in Fine Art

Vlad Kutepov on Unsplash

For years, blue-chip artwork was an area that only the super-rich could get involved in. But Masterworks has made it so that anyone can get started investing in top-tier pieces!

Investing in blue-chip artwork — which, according to Artprice, has outperformed the S&P by more than 250% from 2000 – 2018 — might be a good way to diversify your investments and safeguard your money in a fluctuating economy.

Here’s how it works. On the platform, you can invest in a portfolio of iconic works that have been carefully crafted by Masterworks’ team of research professionals. You can wait for Masterworks to sell the artwork at some point during the next 3-10 years, or you have the option to sell your shares to other investors on Masterworks’ secondary market.

You’ll only need to pay a small management fee, and in return, you’ll get all administrative costs covered, professional storage, insurance, regulatory filings, and annual appraisals.

Request an invite for membership today (bypass the 25,000 person waitlist)!

5. Potentially Save Thousands on Your House With This Simple Move

Pixabay on Pexels

Your house is probably your biggest investment, which means it’s also one of your greatest opportunities to save money.

By refinancing, you could potentially save thousands of dollars on your house. 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?

Because it is. And with Figure, you can check your mortgage refinance rates in just a few clicks without even impacting your credit score!

Find a loan with a lower interest rate and apply with Figure’s 100% online application. Once you’re approved, Figure will help you close out your new loan quickly so that you can start enjoying your new savings as soon as possible.

Check your mortgage refinance rates with Figure today.

Figure Mortgage Refinance is only available in the following states: AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IN, KS, LA, MA, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, WA, WI, WV.

6. Get an Affordable Pet Insurance Policy to Keep Your Pet Healthy and Happy

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You’re not only responsible for your property and your family but also your pet. Unfortunately, bills from the vet can really pile up and hurt your bank account.

But with Embrace, you could get an affordable pet insurance policy that keeps your pet in great health. Started by real pet parents, this company covered over 93% of all of their claims in 2019.

As plans are tailored for dogs or cats, you can choose the plan you need and get coverage for illnesses and injuries, emergency care, hospitalizations, and more.

And get this — for every year in which you don’t receive a claim payment, Embrace will actually reduce your deductible by $50.

Get a free quote from Embrace today in minutes

7. Save Potentially Thousands By Telling This App to Cut Unwanted Subscriptions and to Negotiate Your Bills

Truebill

Most people have a few subscriptions that they no longer use or don’t use very often. Some of them might even be charged to your account soon! Canceling them would mean hanging onto some extra money before next Friday.

But amongst all of the different transactions on your account each month, they might still fly under the radar.

Not to fear — Truebill can find them and cancel them for you. This app will show you each of your bills in one place and cancel the ones you no longer want—with your permission, of course.

What’s more, Truebill can even negotiate your bills for you. Whether it’s your cable bill, phone bill, or another expense, Truebill will try to get you better rates so that you potentially pay less going forward.

Think about how much this could save you this week, this month, and over the next year.

Download the free Truebill app today to get started!

8. Get the Best Extended Warranty for Your Car

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You’re only ever one breakdown from having to fork out hundreds of dollars (thousands, in some cases) to get your car back on the road!

Well, with Olive, you can get an extended warranty for your car for an affordable price each month.

Olive allows you to tailor a plan to coverage needs and monthly budget, and your rate is fixed for the life of your term. You can also cancel at any time without penalty!

What’s more, there’s no waiting period. After your first payment, your coverage will start at midnight. You’ll be covered up to 185,000 miles, with no annual mileage restrictions.

And filing a claim is easy. Use Olive’s RepairPal tool to find a repair shop near you and Olive will pay your bill directly so that you don’t have to wait for reimbursement.

Finally, Olive invests a portion of your premium in renewable energy, sustainable infrastructure, social services, and other community programs at no extra cost to you.

Get a free instant quote from Olive now

9. Get Rid Of Credit Card Debt

Avery Evans on Unsplash

Credit cards often come with extremely high interest rates that keep users trapped in debt.

If you have credit card debt, you could eliminate it today by getting a personal loan through Credible.

By getting a personal loan that has a lower interest rate and using it to wipe out your credit card debt, you’ll be left with lower payments going forward.

This marketplace will find you multiple offers on personal loans without any impact to your credit score. Run a search, compare all your options conveniently in one place, and find personal loan options that range from $1,000 to $100,000.

All it takes is two minutes to check out your rates with Credible and potentially find a loan that wipes out your credit card debt and saves you thousands.

Check your rates now.

10. Invest With Intelligent Automation for Free

M1 Finance

You work hard, shouldn’t your money do the same for you?

M1 Smart Money Management gives you the freedom to build, invest, and optimize your money — the way you want.

You can create your own portfolio with any stock and/or ETF, for free. Borrow money at one of the lowest rates in the market, and access spending of your money with an M1 checking and debit card.

Best of all, you can enjoy M1 Finance for free. Fund your account within 14 days of opening with at least $1,000 to get a $30 bonus.

Get your bonus now

11. Build the Health Insurance Policy You Need (and Can Afford!)

Let’s face it — health insurance is really expensive. Plus, options are limited, so you don’t always get the coverage you need or the deductible you want.

Fortunately, there’s a new way to do health insurance — Sidecar Health. This company allows you to completely customize your health insurance plan!

With your plan, Sidecar Health will send you a payment card, which you’ll use to access your benefits for medical services. After a visit, you’ll be charged 20% as the “estimated expense” and the remaining 80% will be charged to your Sidecar Health payment card as the “estimated benefit.”

Sidecar Health is currently available in AL, AR, AZ, FL, GA, IN, KY, MD, MS, NC, OH, OK, SC, TN, TX, and UT.

Take a photo of your bill and submit it through the app; your account will then be credited or debited accordingly, depending on what your plan covers. As a member, you can also wave goodbye to out-of-network fees, as your plan will work with any doctor!

Through Sidecar Health, members are able to save 40% or more on the cost of care.

Get a free quote from Sidecar Health now

The post 11 Money Habits of Mentally Strong People appeared first on Wall Street Insanity.

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No matter what your wealth level is, most people are always looking for more money.

Ways to invest, ways to make money, etc, but a lot of people don’t know about these 7 simple things you can do literally from your phone right now.

1. Invest in Art Like People Do With Stocks

You might already own stocks but do you own any art? Art that has potential to increase in value? Many super rich people do, and now everyone can take part.

Between 1995 and 2021, contemporary art has outperformed the S&P 500 — delivering an annual appreciation of 13.8% compared to the S&P 500’s 10.2% (including dividends).

The problem for many people, however, is that blue-chip artwork has historically been a market reserved for the super rich. Until now, that is. With Masterworks, you could buy shares (just like you buy stocks) in multimillion-dollar paintings today with a minimum investment amount of $1,000.

Here’s how it works. Sign up, make your first investment. If you want to exit early, you even have the option to sell your shares on the secondary market.

Since 2018, the company’s three successful exits have delivered actualized annual returns of over 30% each after fees. We’ve got you access to skip the waitlist and sign up with Masterworks today by clicking right here for free to start investing in fine art!

2. Invest Like The Wealthy With Just $100 Minimum

Titan is like a hedge fund but it was built for everyone, it manages over $750 million for over 35,000 clients.

And you only need to invest a minimum of $100 to join. They don’t just invest your capital — they explain everything.

Build a portfolio of managed stocks, crypto, real estate, private credit & more. All in one simple platform.

Titan is a diverse team of veteran Wall Street investors, engineers, operations, investor relations, and product folks. Their employees and advisors have worked at some of the leading institutions in the world.

Your private wealth experience starts now with personalized investing plan & recommendations.

Create an account now in just 3 minutes and take a peak under the hood to decide if you want to invest.

3. Get This Debit Card That Gives You 2% Cashback

You probably use a debit card on a regular basis to buy things (like the grocery or drug store). If your debit card is not giving you cashback you probably want to change that.

The FDIC insured Upgrade Rewards Checking Account will give you up to 2% cashback on common everyday purchases, and 1% cashback on everything else.

There are no ATM fees, no account fees, and no transfer fees.

They will even give you up to a 20% lower rate on loans & credit cards through Upgrade.

Fund your account by linking an account and transferring money electronically or set up direct deposit to have your paycheck deposited. Open an account in under 2 minutes now by clicking right here.

Upgrade is a financial technology company, not a bank. Rewards Checking services provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Personal Loans made by Upgrade’s bank partners. Personal Credit Lines are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

4. Help Protect Your Your Family By Leaving Them Up To $8,000,000

We hate to think about it, but who would make the mortgage or rent payments if something were to happen to you? One of the smartest moves you can make is to help protect your family’s financial future. Many people underestimate how much money is needed to provide for their families after they die. This is why life insurance is very important.

The older you are, the more expensive life insurance becomes. And because today is the youngest you’ll ever be, there’s no better time than today to get a life insurance policy.

Plus, with Ladder, you can actually lock in your rate. As you age and your health declines, you’ll get to keep paying that same low premium.

Ladder offer’s term life insurance policies starting from as little as $4.95 a month, and you can complete the company’s application in 5 minutes. Ladder is 100% digital for coverage up to $3 million which means no medical exams or filling out paperwork! You’ll simply have to answer a few health questions as part of the online application.

Get your free quote from Ladder today by clicking right here and help ensure your family’s financial future is secure.

$4.95/month pricing is based on 20-year-old female, preferred plus rating with a 10 year term and $100,000 in coverage.

Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products.

5. A Cash-out Refinance Could Turn Your Home Equity Into Cash

If you have equity in your home, an option to get a large sum of cash could be a Cash-Out Refinance. Use the cash for virtually anything you want.

A Cash-out refinance replaces your current home loan with a new bigger mortgage, allowing you to take advantage of the equity you’ve built up in your home and access the difference between the two mortgages (your current one and the new one) in cash. The cash you get can go toward virtually anything you want, such as home improvements, paying off debt or other purposes you have.

With New American Funding, you can check your mortgage Cash-Out refinance rates in just a few clicks!

New American Funding has funded $60 billions in home loans since 2010. You’ll need a credit score of 620 or higher 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

6. Ask This Company For Up To $100,000 To Pay Off Your Debt

If your credit card company has their foot on your throat, it’s time to get that bill paid off so that you have more money to pay the mortgage. This company could give you up to $100,000 to pay your credit card debt or any other type of debt.

Credit card interest rates can be over 15%, but personal loan interest rates with Credible start at a much lower interest rate. Use your personal loan to pay off high-interest credit card debt today, and lower your monthly bills.

With a personal loan, you can replace your credit card’s ridiculous interest rate with a lower rate, wipe out your entire credit card bill, and start fresh with one monthly payment going forward.

And with Credible, getting a personal loan is a whole lot easier.

With a simple, 2 minute check, Credible will return up to 11 lending options at once. You can compare interest rates by clicking here, find an option you like, and get your funds as soon as the very next day!

7. Use a Cashback Credit Card That Gives You Unlimited 1.5% Cash Back

If you use your credit card often, why not use a card that offers cashback for your purchases? Be careful, however, as even some of the best cashback credit cards come with annual fees and hidden fees.

Not Upgrade, though. There are no fees with this credit card. It offers a credit line of up to $25,000.

The Upgrade Cash Rewards Credit card earn you an unlimited 1.5% cashback on payments. Get a $200 bonus if you also open an Upgrade Rewards Checking Account.

Don’t wait — apply by clicking here for your Upgrade credit card today and check your credit line and rate now.

The post 7 Millionaire Moves You Can Make Right Now appeared first on Wall Street Insanity.

Xavier Mouton Photographie on Unsplash

We understand the importance of having health insurance and more than 91% of Americans have it. But when it comes to life insurance, the numbers aren’t nearly as high. Only 59% of us have life insurance.

But not having life insurance can have grave consequences. We’ll explain what term life insurance is, who needs it, and where you can get a free quote for coverage.

Whatever your circumstances, there is a term life insurance policy that will fit the needs of you and your family.

Finding the best term life insurance is fast and easy. These companies can give you excellent term life insurance rates:

• Ladder gives you a free quote in about 5 minutes.  Select your coverage amount and term, answer a few questions to complete your application for an instant decision. As your life changes, Ladder changes with you. You can apply to increase or decrease your coverage with just a few clicks. There are no fees and no hassles.

What is Term Life Insurance?

Having life insurance gives your family a financial safety net in the event of your death. Term life insurance is more affordable than whole life insurance. Your monthly term life premium will probably be less than you spend on coffees each month.

Term life insurance offers coverage for a designated period. It’s meant to provide for your family in the event of your premature death. If you purchase a term life insurance policy and die during that term, your beneficiaries receive the payout, or death benefit, from the policy.

Terms are usually 10, 20, or 30 years and with most policies, both the payout and the premium remain the same for the entire length of the term. Think about it this way. What else can you buy today that will cost the same in 20 years? Nothing that I can think of!

When the term expires, the policy ends. Why would anyone buy a life insurance policy that runs out? Because once the need for the coverage ends, you aren’t paying for unnecessary insurance coverage.

Who Needs Term Life Insurance?

If you have family members who are financially dependent on you and your income and you don’t have enough money independent of your income to provide for them, you and your family are the perfect candidates for term life insurance.

Term life insurance is also much more affordable than permanent life insurance, so if your budget is already tight, term life won’t strain it further.

The Benefits of Term Life Insurance

Any kind of life insurance provides a lump sum cash payment that the beneficiaries can use for anything including funeral expenses, everyday expenses like housing, utilities, and food, and college expenses for children.

But term life insurance has some particular benefits compared to other life insurance products. Term life insurance is straight forward. You pay your premium for the term of the policy, and if you die during that term, the value of the policy is paid to your designated beneficiaries. That’s all there is to understand.

Other forms of life insurance like Basic Whole Life, Universal Life, and Variable Life have various rules that can be difficult to understand and that makes it hard to find the right product for you and your family. Term life insurance is much less complicated than these products. That’s part of the reason term life insurance is so easy to buy. You can buy it online and not have to deal with a salesperson who may have commission rather than your interests in mind.

Term life insurance rates are much less expensive than any kind of permanent life insurance. The older you are, the more insurance is going to cost which is why many people put off buying coverage. But if you buy term life insurance while you’re young and still in good health, the monthly premium can be as little as $10.

Additionally, you can reduce your term life insurance rates even more by only purchasing enough coverage for your family’s needs instead of paying for insurance for your entire life.

Shopping for Term Life Insurance

You’ll have to do some basic math to make sure you choose the appropriate term for your policy. The term should reflect the number of years you would be working and providing financially for your family. For instance, if you’re 30 years old and have young children, a policy with a term of 20 or 30 years will fit your needs, depending on whether or not your partner is self-supporting.

To determine the amount of the policy, you want a payout that would replace your projected income. The perfect policy will be set to expire around the time your family would no longer need your financial support, i.e. your children are self-supporting adults, and your mortgage is paid off.

How Term Life Insurance Policy Cost is Determined

Age is a big factor in how term life insurance rates are determined; the younger you are, the less expensive your policy will be. But age isn’t the only factor. These are some of the other primary considerations:

Health: Serious or chronic illnesses including things like cancer, heart disease, and diabetes can result in your application being denied. For those with conditions that can lead to major health complications in the future like obesity and sleep apnea, the application may be approved, but the cost of the policy may be higher than it would be for a person in better health.

Health History: A family history of chronic or deadly illnesses (cancer, heart disease, etc.) and your own poor habits (smoking, heavy use of alcohol) can increase your policy rate.

Driving Record: If you have a lot of driving tickets or car accidents, you may be deemed a poor risk for an insurance company and be turned down for coverage.

Lifestyle Factors: Already mentioned factors like smoking and heavy drinking can flag an applicant as can a history of drug use and even dangerous hobbies like skydiving may do the same.

Insurance companies, like all companies, are in business to make money and they don’t make money by taking risks. So while all insurers have their own criteria to determine who is a “good” risk and who is a “bad” risk but in general, the younger and healthier you are, the better your odds of being insured and the lower your monthly premiums will be.

Buying the Best Term Life Insurance

The internet has made our lives easier in many ways and buying term life insurance is one of them. You can get term life insurance quotes from all of these companies online and in just a few minutes.

Ladder

Ladder can give you an instant quote for term life insurance in just three easy steps which will only take about five minutes of your time. Ladder does not employ brokers, so there are no high-pressure sales tactics pushing you to buy coverage you don’t need.

You can apply for coverage from $100,000 up to $8 million. If you’re not sure what your needs are, the helpful calculator on the site can help you determine how much coverage is ideal for your situation. If your situation changes during the term of your policy, you can decrease or apply to increase the amount of your coverage, all online with no fees. If you choose to decrease your coverage, your premiums will also go down resulting in cost savings over time. There are no policy fees, and you can cancel anytime.

Get a quote on term life insurance from Ladder now.

The post What Is Term Life Insurance & Where You Can Get A Quote appeared first on Wall Street Insanity.

Airbnb

Whether it’s a quick drive down the interstate for a meeting or a family vacation to the other side of the country, most people find themselves searching for accommodation at least a couple times a year – but not everyone wants to book a boring hotel room with drab furnishings. That’s why more and more people are turning to Airbnb – and why you could be making serious cash by becoming a host.

Airbnb makes it easy to predict what you might be able to make with its earnings calculator. Here’s a look at what Airbnb hosts in America’s most populated cities are earning. If you want to become an Airbnb host, sign up here.

The following numbers were compiled by Airbnb in July 2018 and are based on the average annual host earnings in each city.

1. New York

Airbnb

The Big Apple is an extremely lucrative Airbnb location, which likely comes as no surprise. Providing tourists with a nice place to lay their heads after a long day of sightseeing can mean a substantial amount of extra money in your pocket.

Average annual earnings: $6,300
Average nightly rate: $147
Total annual earnings for all hosts: $578,300,000

This cool and nicely furnished apartment by Central Park goes for $225 a night.

2. San Francisco

Airbnb

The Golden Gate Bridge. Pier 39. Trolleys. There’s so much to see and do in San Francisco, and that’s exactly why you could be making a sizeable chunk of change by letting visitors stay in your place.

Average annual earnings: $12,100
Average nightly rate: $179
Total annual earnings for all hosts: $151,000,000

This modern unit with a private patio goes for $200 a night.

3. Austin

Airbnb

The Texas capital’s motto is “Keep Austin Weird.” It’s that weirdness that attracts visitors to the city’s amazing culture and nightlife. Why not contribute to Austin’s cool vibe by sharing your awesome place on Airbnb?

Average annual earnings: $5,100
Average nightly rate: $169
Total annual earnings for all hosts: $95,300,000

This Austin accommodation is super cool and goes for $130 a night.

4. Washington, D.C.

Airbnb

The nation’s capital has tons to see and do, from the White House to the Smithsonian Museum. Not to mention the city also plays host to a ton of business travelers who quite often need a place to stay.

Average annual earnings: $5,800
Average nightly rate: $142
Total annual earnings for all hosts: $89,600,000

This classy home boasts an exposed brick wall and goes for $103 a night.

5. Chicago

Airbnb

The Windy City is often hailed as the birthplace of architecture, which means people from around the world flock there to admire its beauty. Why not share that famous Midwestern friendliness with out-of-towners by hosting on Airbnb?

Average annual earnings: $5,200
Average nightly rate: $128
Total annual earnings for all hosts: $86,000,000

This hip garden studio with exposed brick walls goes for $100 a night.

6. Seattle

Airbnb

This fabulous city is known for being the home of Starbucks and Dr. Frasier Crane, and for its rainy weather. Luckily, it’s such a cool place that the rain doesn’t deter tourists. So don’t be deterred from hosting your space on Airbnb.

Average annual earnings: $11,100
Average nightly rate: $138
Total annual earnings for all hosts: $105,200,000

This awesome houseboat is fun and adorable, and goes for $129 a night.

7. San Diego

Airbnb

San Diego has just about everything – an awesome year-round climate, beaches, a laid-back culture, and plenty of sunshine to go around. If you choose to host on Airbnb, you’re likely to attract a steady stream of visitors.

Average annual earnings: $8,500
Average nightly rate: $161
Total annual earnings for all hosts: $126,600,000

This beautiful loft in the heart of Little Italy goes for $129 a night.

8. San Antonio

Airbnb

From the Alamo to the River Walk, there’s plenty to do in this Texas city. It also receives visitors throughout the entire year, thanks to its year-round temperate climate (and extremely delicious Mexican food). Why not host some guests in your place?

Average annual earnings: $7,600
Average nightly rate: $100
Total annual earnings for all hosts: $20,300,000

This lovely apartment near the River Walk goes for $109 a night.

9. Philadelphia

Airbnb

The most iconic scene to ever come out of Philly was probably when Rocky ran up the steps of the Philadelphia Museum of Art. Of course, there’s plenty of other things to see in the City of Brotherly Love, from the Liberty Bell to the bustling Market Street. You can share your knowledge of this great city with your Airbnb guests.

Average annual earnings: $4,600
Average nightly rate: $101
Total annual earnings for all hosts: $39,400,000

This lovely city cottage goes for $179 a night.

10. Denver

Airbnb

Denver is known for its cool vibe, so it’s no wonder that people are eager to visit. From the cool streets of Lower Downtown to the city’s huge array of microbreweries, there’s plenty to keep tourists busy. There’s also enough tourists in the city to keep your Airbnb busy!

Average annual earnings: $8,700
Average nightly rate: $137
Total annual earnings for all hosts: $63,700,000

This urban oasis with a hot tub goes for $139 a night.

11. Houston

Airbnb

If you live in this cool Texas city, you already know how much it has to offer, like the Houston Space Center (insert “Apollo 13” reference) and the aquarium. Why not share your favorite parts of the city with some Airbnb guests while also putting money in your pocket?

Average annual earnings: $3,700
Average nightly rate: $95
Total annual earnings for all hosts: $33,300,000

This downtown loft is walking distance to tons of cool stuff and goes for $110 a night.

12. San Jose

Airbnb

As the bustling center of Silicon Valley, this city has so much going for it. And with so many startups and major tech companies in the area, there’s no doubt that you’d be welcoming a steady stream of business travelers to your Airbnb.

Average annual earnings: $7,800
Average nightly rate: $107
Total annual earnings for all hosts: $24,300,000

This apartment is relaxing and well decorated, and goes for $128 a night.

13. Dallas

Airbnb

Texas is a huge place, so it’s no wonder that Dallas is the fourth city in the state to make it on the list. The city is a popular destination for business travelers, as well as tourists looking to explore the Lone Star State. Hosting a space in Dallas can be a great side hustle.

Average annual earnings: $6,100
Average nightly rate: $108
Total annual earnings for all hosts: $24,500,000

This 1980s themed house is pretty incredible, and goes for $120 a night.

14. Los Angeles

Airbnb

The City of Angels welcomes droves of tourists every year who are eager to find their favorite celebrity’s star on Hollywood Boulevard or can’t wait to take a behind-the-scenes studio tour. If you have the space, why not take advantage of living in such a cool city?

Average annual earnings: $9,100
Average nightly rate: $145
Total annual earnings for all hosts: $370,100,000

This Hollywood Hills guest house goes for $190 per night.

15. Phoenix

Airbnb

The capital of Arizona is known for its year-round sunshine and hot temperatures, making it a magnet for people seeking some winter warmth. Throw in some beautiful desert scenery and some cool bars and restaurants, and you have a recipe that is sure to bring people to your Airbnb.

Average annual earnings: $5,900
Average nightly rate: $97
Total annual earnings for all hosts:  $20,500,000

This 1940s bungalow goes for $80 a night. 

16. Ft. Worth

Airbnb

This city is often tied together with its neighbor Dallas, but anyone who lives here knows that it has plenty of attractions of its own. It’s a city that’s well worth a visit…and anyone who does visit will surely be delighted to stay at your Airbnb.

Average annual earnings: $6,400
Average nightly rate: $94
Total annual earnings for all hosts: $5,100,000

This beautiful farmhouse cottage goes for $79 a night.

17. Columbus

Airbnb

This city has tons of energy, even in the winter months when the snow is out of control. You can offer guests a warm place to stay and some cool tips, from catching a minor league game at Huntington Park to visiting the Franklin Park Conservatory and Botanical Gardens.

Average annual earnings: $5,300
Average nightly rate: $100
Total annual earnings for all hosts: $8,700,000

This cool duplex in a walkable location goes for $99 a night.

18. Jacksonville

Airbnb

This city by the sea is a favorite for tourists, and offers tons of attractions. If you choose to host your space on Airbnb, you’re sure to receive visitors all year – from those seeking a relaxing beach vacation to the 100,000 football fans who flock to town in October for the annual rivalry known as the Georgia vs. Florida game.

Average annual earnings: $5,500
Average nightly rate: $78
Total annual earnings for all hosts: $5,600,000

This carriage house with views of wetlands goes for $80 a night.

If you’re eager to get started as an Airbnb host, sign up to list your space.

The post If You Live In One Of These 18 U.S. Cities, You Should Try Being An Airbnb Host appeared first on Wall Street Insanity.

rawpixel on Unsplash

These days, we want it all: the career, the house, the partner, and kids. As awesome as “having it all” sounds, in reality, most of us are so busy with the first step (dream job) that the rest gets pushed aside (sorry, love & romance). If you’re busy with work but you’ve still got dreams of the perfect engagement, destination wedding, and white picket fence, why not give online dating a shot? You’re not alone. Over 100 million Americans are single today! And over half of them are giving online dating a shot. In 2017, the internet became the #1 place where singles met for their most recent first date — while a mere 14% met through friends and another 6% met at a bar. Don’t be that person wasting away at a bar after a hard day of work just for the 6% chance you’ll meet somebody. You use the latest in tech for your job and finances; why not update your dating life? If you’re thinking online dating may just be the answer to finding your person, here are 3 dating sites to get you started.

1. Match.com

Match.com is the golden retriever of dating apps. It’s #1 in dates, relationships, and marriages, and it’s been a go-to dating site since way back when in 1995. If you’re looking for a meaningful connection, Match.com gives you multiple ways to find the right person — you can freely write about yourself and what you’re looking for, share up to 26 photos, and select from numerous search preferences for what you want in your desired match. If that’s not enough, Match Stories can also create a streamlined get-to-know-you with videos, photo, and media mashed together to introduce would-be dates to a collage of the wonderful person you are.

You can create your profile and search for matches for free.

If you’re concerned about the murky waters of dating online, don’t worry — Match.com protects you with an anonymous email network. Your personal name and contact information are kept confidential until you decide to share them with a potential match.

Match.com doesn’t just take your information down to find a compatible partner – they also allow you to choose what type of person you’re interested in, from their salary to whether or not they smoke. Here’s where dealbreakers and flexibility are both important – you want to be honest about what you’re looking for, but you also want to try to be open-minded (you are, essentially, narrowing down your own dating pool).

Once you’ve put in all of your information and your profile has been approved, you can search for matches by mutual matches (people who are looking for someone like you, who are just what you’re looking for) as well as reverse matches (people who are looking for someone like you).

Each day, Match.com gives you your Daily 5 – 5 matches who may be right for you. Although it may feel a little strange to ‘rate’ matches, the more matches you review, the closer Match.com can get to finding your person.

If you miss the good old days of meeting someone more naturally, you can also head to one of Match.com’s events — they frequently schedule exclusive members-only events for singles all the time. Think speed dating, cooking classses, and even mixology classes to get the chemistry going.

Ever have that terrible feeling where you think you walked by someone, felt a spark of connection, then lost them? Match’s Missed Connections feature helps you find people nearby who you may have just crossed paths with before, too.

Match.com is so proud of their work that they keep a database of success stories. If you’re looking to kill the cynic inside you and feel butterflies again, check them out here. Then, sign up!

Beyond the go-to Match profile, you can also get the Match Bundle. With the Match bundle, you get special features like first impressions, which makes sure new users see your profile first. You also get the email notification read feature, which lets you know if your messages are truly being received — or if your latest interest just isn’t available.

If you decide to go for a 6-month plan with Match, Match.com covers you with the I Met Someone GUARANTEE. This means that if you haven’t met anyone within your half-year subscription, they’ll give you the next 6 months entirely free.

Not sold yet? Match.com also offers 25% off to eligible singles.

2. eharmony.com

eharmony.com is the #1 trusted dating site and is celebrated for their allegiance to “a scientific approach for matching highly compatible singles.” Their Compatibility Matching System considers 29 DIMENSIONS® of compatibility to make sure you’re looking at singles who are meant for you.

When you sign up with eharmony, you start with their Relationship Questionnaire and then register to be linked up with compatible matches. The questionnaire is long, but worth it — they’re really digging into your personality and who you’d be compatible with. Give yourself about 30 minutes. You’ll be asked about your core beliefs, how you’d describe yourself, what you value in life and in relationships, and your communication style, among other things.

You’ll want to try to be as honest as possible on the questionnaire — you’re only hurting yourself if you put on someone else’s face for your online dating profile! Now’s the time to really say who you are — so you can meet someone who loves the most genuine version of you.

After the questionnaire, you complete your profile in your own words. To make this easier, eharmony gives you a round of fun but revealing questions to answer. Once your profile is completed, you’re good to go — but you don’t get to see potential matches or message them until you sign up for a subscription.

Like Match.com, eharmony guarantees you’ll meet someone, but within 3 months. If you’ve given the service a shot and you haven’t met someone special by then, they’ll give you another 3 months for free.

eharmony’s member base is diverse – if you’re looking for a specific type of partner, they have all the bases covered. You can search for Christian singles, Jewish singles, Black singles, Hispanic singles, Asian singles, etc.! You can also narrow down the dating pool to localities — or date internationally.

Need an extra boost? Check out some of eharmony’s success stories. Ahh, love has never been so easy and sweet!

Need a brush up on modern dating? eharmony’s Love & Harmony blog covers all of the bases.

3. Elite Singles

One of the most common excuses for not trying out online dating is pickiness. You’re not going to find anyone on some dating website, not someone who’s *good enough*. Sound familiar? If so, your problem is you haven’t checked out Elite Singles yet. Elite Singles is designed with the picky bunch in mind (and hey, you deserve someone on your level!).

Elite Singles narrows the dating pool for you so you’re not overwhelmed with matches that make no sense for you. Over 90% of Elite Singles’ members are 30 and up, and 82% are college-educated.

According to Elite Singles’ website, they promote “Serious Online Dating” because “real happiness starts with a truly like-minded match.” Their match-making algorithm ensures your match is as compatible as possible, and they’re constantly fine-tuning it. You can learn more about their personality test and how it works here.

Each day, Elite Singles suggests 3-7 highly suitable matches for you based on your preferences, education, location, and personality profile. If someone seems too good to be true, they’re not a bot—unlike some other dating websites, Elite Singles thoroughly vets its members to confirm authenticity.

Put some time aside to fill out Elite Single’s personality test — it is as in-depth as dating personality tests can get.

Once you’ve filled out your information, there are 3 subscriptions to choose from, and then you’re good to go and meet people!

Need dating advice? Check out Elite Single’s magazine. It’s full of great advice on all sorts of dating dilemmas — from moving on from a divorce to figuring out if he’s flirting — or not.

3 Ways to Fall in Love

Just because you’re busy doesn’t mean you can’t find love. One in 3 relationships begin online, and 1 in 5 marriages start there, too. With these online dating services, the hard part of finding the person is out of the way. Now, you can send them messages, get flirty, and go on some dates. What are you waiting for?

The post Busy With Work But Want To Find Love? Try These 3 Dating Sites appeared first on Wall Street Insanity.

Running a business is no easy task. That’s why we put together this handy checklist of items you need to take into consideration, along with time and money saving solutions. We know you’re busy, so let’s get right to the list.

1. Lead Generation:

Pexels/Rawpixels

If you’ve got a website that you’re looking to grow, then you should check out Leadpages.

Leadpages works like this: You set up a landing page (dozens of templates to choose from), and put up a product, contest, subscription service — whatever you want. Then you send traffic to that page, and convert traffic into customers. Simple right? Well, that’s the point. No coding skills required, and tons of time and cost saved not needing to hire a developer and designer to set this up.

It’s the kind of service every business needs and can use effectively, it can be a valuable tool added to your arsenal.

Get a 14-day free trial here.

2. Reach Your Customers Through Email:

Pixabay

Plain and simple, email marketing can make or break your business. Utilized effectively, you’ll engage existing customers and attract loads of new ones.

There’s a lot that goes into email newsletters, from design, to writing, to timing your sends, to tracking your results. It’s an ongoing process, and you have other things you should be focused on, namely delivering on the promises of those emails.

So you’ll want to use a great email marketing platform, and two of the best are: Constant Contact, and AWeber. You really can’t go wrong with either option.

They both offer stunning templates along with easy to use drag and drop editors. As well as features like: autoresponder, segmenting subscribers and tracking opens, clicks and visits to your website.

We’d recommend trying both and seeing which one you like best.

Click here to get a 60-day free trial with Constant Contact or click here to get a 30-day free trial with AWeber.

If you want something with loads of personalization, automation, and integrations, you need to get drip. You can try drip free here.

3. Advertise, Advertise, Advertise

Pixabay

Want to know a great way to get new customers? You guessed it, advertise. Bing isn’t a place you immediately think of when the word advertise comes to mind, and that’s precisely why it could be a gold mine for you. Advertisers flock to Google for search advertising, but Bing is the #2 search engine. It has a lot fewer people advertising on it, which means you’ll probably be able to get the same search terms you would on Google for a lot less on Bing because less people are bidding for these terms. There’s no reason why you can’t advertise on both search engines, and you should.

Click here to get $100 in free Bing ad credits.

Another overlooked advertising platform is Yelp. If you have a local business this is surely not a place you want to miss. According to a 2013 study by Boston Consulting Group (as cited on Yelp’s website), the average annual revenue reported by Yelp advertisers is $23,000. That’s a pretty substantial number, which means that choosing not to advertise on Yelp would be a fool’s errand.

We’ve got you $300 in free Yelp ad credits to get started, so why not give it a go?

4. Who Needs Landlines?

Pexels/Rawpixel

If you have a business landline you’re throwing away tons of cash, and if you don’t have a business phone number you don’t look professional (it’s the equivalent of sending a business email using a gmail account). So, what do you do?

You can go with eVoice which starts at just $12.99 a month or Grasshopper.com which starts at $24 a month. They are both great solutions and each allow you to set up multiple extensions for your business, allowing you to set up one line to be directed to customer support while one line is directed to sales (or whatever your particular needs would be).

We’ve hooked you up with a 30-day free trial of eVoice just by clicking here.

Grasshopper offers a 30-day money back guarantee.

5. Your Logo Can Make A Difference:

AJ Garcia on Unsplash

Do you have a logo? Are you happy with it? After all this represents your business and can say a lot about you. Don’t waste your time and money hiring designers you’re unsure about, instead only pay for a logo you love. Go with either of these two options: Logojoy or LogoGarden.

Here’s how LogoJoy works: Enter your business name on the front page of Logojoy and they’ll pick logos to inspire you. Next, pick a color palette, but you’re not picking on color alone — all of the colors are described in terms to help you decide what you want your logo to say. Pick icons that convey the idea behind your brand, then see what logos were created just for you. Once you find a logo you love, you can click to edit the font, icon, brand name, tagline, and more. When it’s perfect, you’ll have the option to buy the exact file you need.

Here’s how LogoGarden works: LogoGarden offers different ways to design your logo. If you like to get your hands dirty, so to speak, you can design it yourself with the Logo Maker.

If you want a custom logo designed for you, you can sign up for their DreamTeam Design service. Fill out an interest form and within three days, three designers will send you sample logos. Pick which logo you like best, then work with that designer to customize it to be exactly what you want. If you don’t like any of those logos, don’t feel like you’ve thrown your money away — you can request more! Whether you pick one of the first three, or ask for more, you get unlimited revisions on your logo.

Take 10% off your order with coupon code WALLSTINS10 (you’re welcome!), but you must first click on our link to LogoGarden.

6. Design, Design, Design:

Pexels/Roman Pohorecki

Your website design matters a lot. It can be the difference between success and failure, but it can be difficult to know who the right person is to hire for the job. That’s why 99designs and DesignCrowd stand out to us.

Post the details of the design you’re looking for at 99designs, it’ll open a contest that grabs the attention of dozens of designers. Write up a short description of your design needs and include any colors and design elements you want to be included. Designers post samples of what your designs will look like, and after seven days (and at least twelve designers throwing their hats in the ring), you award a winner. Then you work personally with that designer to create your website layout.

DesignCrowd works on a basis similar to 99designs by having you turn your search for a great website design into a contest. The scope is larger, though, with anywhere from 25 to 100 designs submitted for each project, and you set your own price. Designers can submit multiple looks for your one project, so while you might love one designer’s style but not the first look, that designer can keep submitting until you find one you love; you can even submit feedback on each design so they’re customized to your preferences. You can also share the designs with your friends and coworkers and get feedback, including star ratings on each design.

7. Where To Host:

Pexels/Manuel

Now that you’ve got your beautiful and highly functional website, you want to make sure it stays that way. Security, scalability, load time and uptime are things that need to be constantly monitored, so it’s important to protect your investment and the future of your business with a reliable hosting company.

WP Engine is probably the best spot for WordPress users. It’s literally all they do. Award-winning 24/7/365 phone support that goes above and beyond traditional hosting providers. From site migration to site launch to site growth, they have the largest team of WordPress experts to help you. Whether you’re big or small they have a plan that you can fit into. Click here to get 33% off your first purchase with WP Engine. Plans start at $35 per month.

If you’re not a WordPress user or just want a cheaper alternative, BlueHost and HostGator are two names you can go with.

HostGator has over 9 million domains hosted by them and pricing starts at just $2.75 per month. They also offer 24/7 support.

BlueHost which is owned by the same company as HostGator will cost $3.75 per month but they also give you a free domain, site builders, as well as 24/7 support.

8. Do-It-Yourself Website Builders:

Pixabay

It’s not necessary to spend a lot of money on a developer and designer to create a website these days.

Weebly is one such place you can probably create your website with tonight (or your own online store). It’s totally free to use but if you stay on their free version they will show Weebly ads which looks unprofessional. Opt for the $8 a month ad-free version and look like a pro. They’ll also give you a free domain and $100 in free Google ad credits.

Alternatively, you can host your site with Blue Host for $3.95 per month and get a free domain and use their site builders.

9. What’s The Password?

Dashlane

The best security in the world won’t matter a bit if someone gets your password. But with every damn site we visit needing passwords, each of them having different parameters (UPPER CASE, lower case, special characters, numbers, etc.), it can be hard to keep track of them all.

So go over to Dashlane, which only requires you to remember one, count ‘em—one, password. Every day, you enter your “master password” and dashlane automatically remembers all your other passwords for all your other websites.

And the really great thing is that not even Dashlane can tell you what your master password is, so you’ll never be vulnerable, even if Dashlane gets hacked.

10. Make That Paper:

Pixabay

There’s no such thing as paper anymore, but you still need to get paid. And you need to make it easy for your customers to pay you.

Square has been the leader in credit card processing for a while, that continues today. Their card reader prices are very affordable, and they get major points for only charging a single, straightforward processing fee, whereas traditional credit card processors have fees out the yin-yang, from activation fees, to monthly fees, to minimum processing fees.

Square also offers a POS app, which is a handy way of tracking your sales, getting customer feedback and managing your inventory, among other things.

11. Track That Paper:

There are a lot of ways to take care of your business’s accounting needs, with varying degrees of accuracy, efficiency and cost. Since you’re probably doing it yourself (at least to some extent), you want to reduce the time you spend on organizing expenses, following up with clients, and tracking project time by automating as much as possible.

FreshBooks is a cloud-based secure accounting software, accessible from wherever you are, and super-easy to use. It not only saves you time, but produces great-looking invoices, which will let your clients know you’re on the ball. Most importantly it will keep you more organized and thus helping you get paid faster.

Click here to get a 60 day free of FreshBooks.

12. Legal Needs:

Unsplash/Olu Eletu

From business formation to trademarks and patents. There’s a lot of forms that need to be completed and submitted, and odds are, you’re not a legal expert. And odds are you probably don’t need to pay huge legal fees to do these things.

You can save yourself time and money by going over to LegalZoom.

LegalZoom is a business filing service that can save you money and hours of work and frustration. They’ve been around for more than 12 years, have helped over a million small businesses, and are known for accuracy and friendly customer service.

If you need a advice you can even purchase a plan that will get you legal advice from a real-live lawyer for as low as $31.25 a month, which, if you know anything at all about attorney fees, is a pretty good deal.

13. Sign On The Dotted Line:

Pixabay

Everybody knows that a deal isn’t a deal until the paperwork is signed. The days of using the mail or even courier services are gone with the fax machine. We take care of document signing instantly nowadays, thanks to electronic signatures.

Docusign makes it easy for you to pretty much almost any type of document, email it out for a signature anywhere in the whole wide world, and have it back in your hot little hands within seconds.

And yes, thanks to the ESIGN Act of 2000, electronic signatures are legally binding within the United States (your country’s laws may vary).

Click here to get 30 days free of Docusign.

14. Speaking of Outdated Technology…

Pixabay

Sometimes we still need to fax. Well, we need to efax. Not a lot of businesses have traditional fax machines anymore, and there’s no need for you to hunt one down. But that doesn’t mean hard copy documents are obsolete.

In these cases, you can use eFax, which allows you to send faxes over the internet using your phone, tablet or computer, directly to a recipient’s fax machine.

The post 14 Ways To Save Serious Time And Money When Starting Or Growing Your Business appeared first on Wall Street Insanity.

Pixabay

WordPress powers 27% of all sites on the web, and probably a much higher percentage of the sites you visit regularly. And when it comes to WordPress hosting platforms, you really should know about WP Engine. Whether you’re running your own weekly personal blog, managing a complex multi-site brand, or anything in between, you could probably use a little help making sure everything is fast, secure, and consistently operational.

If you want your WordPress website to run faster and more secure, you’d probably be willing to get WP Engine at full price. But we like getting great deals for our readers, so we’ve partnered with WP Engine to get you huge savings! How does 33% off your first purchase sound? Click here to see pricing. For even bigger savings, go with an annual plan, they’ll throw in 2 months for free. And no matter what plan you select, there’s a risk-free 60-day money back guarantee.

If you’ve got a personal site and are thinking of taking it big time, paying for hosting is a must. Making money off a site hosted on a free blogging platform is incredibly difficult and your odds of success are pretty slim. Most companies and advertisers don’t view this as professional. But if you pay for hosting with a company like WP Engine, you’ll be ready to run with the big boys. You’re able to set up your own advertisements, run affiliate links, sell ad space to companies, do anything you can really imagine.

Maybe you’ve got a larger blog, or run an established company with tons of traffic and customers, and you’re wasting valuable time and resources with site downtime, and losing customers in the process. That’s why you should check out WP Engine. They keep everything running faster and more secure than most other hosting providers we’ve seen. We’ve partnered up WP Engine to get you a real steal of an offer: 33% off your first payment. This is an exclusive offer that you can use to purchase any length of time, and if you use this deal to purchase an any annual plan they’ll throw in an additional 2 months free (depending on your plan, that could be the equivalent of 6 free months!) You must click here to get access to this deal and see your exclusive pricing. Keep reading below to learn more.

1. WP Engine knows how to keep a WordPress site running smoothly.

5% of the online world visits at least one site hosted by WP Engine on a daily basis. That’s a ton of websites. They even keep this website running smoothly, which is one reason we feel so confident recommending WP Engine.

Every one of their customers benefits from the same robust, enterprise-grade software technology stack. So whether you have a personal account or a dedicated enterprise solution, you always get an efficient, scalable, secure WordPress experience.

2. Speed matters.

A third of online shoppers will click away if they have to wait more than five seconds for a page to load, according to the digital performance management solutions firm, Soasta. 53% of mobile site visits are abandoned if a page take longer than 3 seconds to load, according to Google. Check your website speed here.

WP Engine’s proprietary front-end is built on thousands of carefully designed rules that they continually audit and adjust for maximum performance. These rule sets determine how they serve content for fastest load times. Their caching mechanism also dramatically reduces server load. Instead of serving your static content from the backend, which can be slow, they serve this content from its front-end system, which can handle high levels of concurrent traffic. All this = fast.

3. Security minded.

Enterprise-grade security means you’ll sleep easier every night. Not only does a secure environment protect you from data loss or embarrassing hacker takeovers, but properly secured sites are faster, since bogus traffic and requests won’t be eating up your resources. WP Engine blocks millions of attacks each day.

To ensure that your site is running as secure as possible, they automatically upgrade your website whenever minor patches are released. When a major update is released, they thoroughly test it before recommending that their customers upgrade. They’ll even work with you directly to make your upgrade as painless as possible.

4. 24/7 support.

By phone or email, you can contact WP Engine 24/7 with any concerns. Yes, we said by phone, 24/7, seriously! No more waiting around for email or ticket responses! Get a real, live human to give you real help.

5. 60-day money back guarantee.

And if you’re not happy for any reason, cancel and request a refund within the first 60 days to get your subscription fee refunded back to you! *Excluding Premium and Enterprise Plans. Seriously, give them a try, what have you got to lose?

The post 5 Reasons To Use WP Engine If You Have A WordPress Site appeared first on Wall Street Insanity.

CellSavers

We rely on our smartphones for everything these days. From calls, texts and emails, to listening to music, to checking the weather and the news, to getting a date with that special someone, to taking and sharing photographs, to discovering a new restaurant, and much, much more. The truth is, most of us couldn’t even find our way home without our smartphones to guide us. So when something goes wrong with our mobile device and we’re forced to live without them for even as little as a day, it’s a major change in our lifestyles. We feel cut off from the world. We feel totally out of the loop. We feel lonely and lost. It’s a deeply frustrating situation that’s only made worse by the tedious agony of trying to get our mobile devices fixed.

Every iPhone user knows the pain of dealing with the Genius Bar. First you have to make an appointment, usually a couple days down the road if you live in a big city, then you have to fight traffic, search for parking, and wait around until you’re finally called up, only to learn that your smartphone’s issue is not covered by your warranty and will cost an arm and a leg to get fixed. So you borrow a friend’s phone and go to Yelp to find an independent technician nearby. Then it’s back in your car, back in traffic, back to a search for a parking spot, back to waiting in line. Finally, after three different technicians have examined your mobile device, you’re told it can be fixed, but they have to send it out or order some parts, and you’ll just have to live without it for a few more days. Before all is said and done, you could be without your smartphone for a week or more, and these days, that’s the kind of thing that can cause you a lot of problems.

So now, imagine a world where you don’t have to go through any of that. Imagine a world where you can get your mobile device fixed without even getting up off the couch. Imagine a world where a highly qualified, trustworthy technician will actually come to you, working around your schedule, to repair your device on the very same day you break it.

Now stop trying to imagine it, because it already exists. It’s called Puls, and your life just got a whole lot easier. Here’s how it works.

First, stop crying onto your broken smartphone, put it down, go over to your computer and visit Puls.com. And it only gets easier from there. Just follow the simple three step process: 1) Tell them what kind of device you need repaired (iPhone, iPad, Google or Samsung), 2) Tell them what’s wrong with it (broken screen, battery, it won’t turn on, or you need a diagnostic), and 3) Tell them where they should meet you. Boom.

A Puls technician will meet you almost anywhere. So forget about fighting traffic and looking for parking — let them deal with that. They’ll come to your home, your office, your gym, your favorite coffee shop — pretty much wherever you want, and they’ll perform the repairs right in front of you. Most of the time, a technician will be able to meet with you on the very same day you break your device, and the repair is usually completed in less than an hour.

So who are the Puls technicians? Only the best of the best when it comes to smartphones and mobile devices. If it’s remotely possible that your device can be fixed, a Puls tech can get the job done. And you can rest assured that all the techs have been thoroughly vetted through extensive interviews and deep background checks, so you know they can be trusted.

Now, you probably think that sounds super convenient, but they’re probably expensive, right? That’s perfectly understandable. And hey, who wouldn’t be willing to pay a few extra bucks for a house call? But guess what? They’re actually less expensive than the standard market rate. And not only that, all their parts and services come with a Lifetime Warranty.

So let’s run all that down. If you use Puls the next time you break your smartphone, a qualified, trustworthy technician will meet you at a time and place of your choosing, perform repairs while you wait, charge you less money than most competitors, and leave you with a working phone and a lifetime guarantee.

This is the kind of service that changes everything. Never again will you be filled with panic and anxiety about having to deal with a phone that doesn’t work. Just go over to Puls.com and your problems are over.

The post Fixing Your Smartphone Just Got A Whole Lot Easier: This Company Will Come To You appeared first on Wall Street Insanity.