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Many people think they’re stuck with the mortgage they have, but that’s not the case. A mortgage refinance can be a great personal finance tool. It can lower your monthly payments, lower your interest rate, and put cash in your pocket for things like paying off high-interest credit card debt or making much-needed home improvements.

A mortgage refinance can save you money but if you’re still traumatized from the nightmarish home buying process, you might be hesitant. Add to that the number of refinancing companies there are to consider, and plenty of people decide that it’s not worth the hassle.

Best Mortgage Refinance Companies

If you’re considering a refinance, here are some of the top companies that make the process quick and easy.

New American Funding

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.

No minimum credit score.

New American Funding: NMLS#6606

Credible

Unlike the other options on this list, Credible is a marketplace that matches lenders with customers. This allows you to get multiple refinancing offers after filling out a single application.

Type of Refinance: Fixed-rate, adjustable-rate, cash-out.

Minimum Credit Score: 620

Why We Like It: Prequalified rates in 3 minutes. You only need to provide minimal information to prequalify and with no hard pull on your credit.

Click here to get multiple mortgage refinance rates from lenders competing for your business with Credible now.

LoanDepot

LoanDepot is a lender that offers personalized help, with more than 150 in-person branches and more than 2,000 licensed loan officers waiting to help you with your loan.

Type of Refinance: Fixed-rate and adjustable rate.

Minimum Credit Score: 620

Why We Like It: LoanDepot offers a lifetime guarantee. After your first refinance, the company will waive the lender fees and reimburse appraisal fees on all future refinances with the company.

Click here to get your refinance rate from LoanDepot now.

What is a Mortgage Refinance?

A mortgage refinance is the act of taking out a new loan to pay off your original mortgage. With the original mortgage paid off, borrowers can take advantage of a new mortgage with a lower interest rate or better terms.

Why Refinance Your Mortgage?

People refinance to save money in some way or to get access to cash. Borrowers refinance in order to take advantage of lower interest rates, reduce their monthly payments by increasing their repayment term, or cash out some of the equity they’ve built in their home.

If you didn’t put down 20% when you bought your home, you’re paying PMI, primary mortgage insurance. PMI protects the lender in case you default on the loan. The thought is that if you don’t have at least a 20% stake in your home, it’s easier to make the decision to walk away if you can’t afford to pay your mortgage anymore.

The average annual PMI premium generally ranges from .55% to 2.25% of the original loan amount each year. For a $250,000 home, your PMI can cost between $1,375 and $5,625 per year or $114.58 to $468.75 per month!

If you’ve accumulated enough equity to do so, you can refinance your mortgage and eliminate PMI entirely.

When to Refinance Your Mortgage

If you can qualify for an interest rate at least 1 percentage point lower than your current rate, refinancing can save you a great deal of money over the life of the loan. But it only makes sense to refinance if you plan on staying in your home for several more years. It takes most refinances several months to several years to break even and start saving you money, so if you plan to move in the reasonably near future, it’s not the right time.

How to Refinance Your Mortgage

The process of refinancing your mortgage is not all that different from the process of obtaining a mortgage.

• Shop around for a lender that offers the terms that best suit your needs.
• Apply with at least two lenders so you can compare offers.
• Choose an offer.
• Lock in your interest rate.
• Close the loan.

How to Choose the Right Mortgage Refinance Lender For You

Be sure to shop around. Think of refinancing your home as making a significant purchase — a six-figure purchase, because that’s essentially what you’re doing. If you were buying anything that would cost you a six-figure dollar amount, you would be sure to do your research.

With so many mortgage refinance companies out there, there’s at least one that will meet your needs. That’s why it’s generally not a good idea to refinance with your current mortgage lender. You may not have shopped around for the best mortgage when you bought your home and that may have been several years ago, so it’s a good idea to see what offers might be out there now.

And if you bought your home many years ago, you probably didn’t have the option of an online mortgage. Still, there are plenty of online options for refinancing, and many of them have better rates than do traditional lenders because they don’t have the same overhead costs. Those savings are passed on to you, the borrower.

Look for a lender with the lowest interest rates, as this is where the greatest cost savings come from. Understand any fees involved in your refinance, which vary by lender. There are upfront fees, like closing costs, and ongoing fees, like a late payment fee or an early repayment fee. You don’t want the fees to exceed the amount of money you’re saving with a lower interest rate.

Save Some Money Today

We all love to save money, but often, we are penny-wise and pound-foolish. If you really want to save money, an impactful amount of money, refinancing your mortgage can be a great way to do it.
Whether you refinance to a lower interest rate or do a cash-out refinance to pay off your credit card debt, a mortgage refinance can put a lot of money back in your pocket.

The post 3 Best Mortgage Refinance Companies Of 2024 appeared first on Wall Street Insanity.

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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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With the addition of online checking accounts, there are more options than ever when looking to open a new checking account. Because banks with online accounts are often able to save money on overhead costs, they are also able to offer more benefits and perks.

There are online checking accounts that even offer interest — something scarce in the world of checking accounts. If you’re paying your bank for the privilege of loaning out your money, it might to time to find yourself an online checking account.

The Best Online Checking Accounts

If you’re on the hunt for an online checking account, check out a few of our top options.

CIT Bank eChecking Account

With a CIT Bank eChecking account, you’ll earn a modest interest rate. There is no monthly fee to keep the account, and the minimum balance is just $100.

CIT is not part of an ATM network, but you can still use other banks’ ATMs and CIT will reimburse you up to $30 per month in ATM fees.

Monthly fee: $0

Minimum balance: $100

Why we like it: Earn interest on your checking balance. No monthly fee or hidden fees. FDIC insured.

Additional features: Reimbursement of up to $30 in ATM fees per month.

Axos Bank Rewards Online Checking Account

If you plan on using your online checking account heavily, the Axos Bank Rewards online checking account might be a great option for you. With $1,000 in direct deposits and at least 15 debit card transactions each month, you could earn a high APY on your balance. Make a minimum opening deposit of $50 and watch your money grow!

Monthly fee: $0

Minimum balance: $0

Why we like it: Earn interest with at least $1,000 in direct deposits and 15 debit card transactions each month. No monthly fee or minimum balance. FDIC insured.

Additional features: No overdraft fees or insufficient fund fees. No ATM fees on domestic ATM transactions. Reimbursement for any ATM fees charged.

Axos Bank Essential Checking Account

If fees are what you loathe most about banking, the Axos Bank Essential Checking account might be a breath of fresh air. This account has no fees — no monthly fees, no overdraft fees, no non-sufficient funds fees, and no hidden fees. What’s more is that you’ll enjoy unlimited ATM reimbursements!

Monthly fee: $0

Minimum balance: $0

Why we like it: No fees or minimum balance requirements. Get access to your direct deposit funds up to two days early. FDIC insured.

Additional features: No hidden fees, overdraft fees, or non-sufficient funds fees. Unlimited reimbursements on domestic ATM fees.

Nationwide by Axos Interest Checking Account

If you want to earn interest on your checking account funds, Nationwide Interest Checking account might be a good fit for you — a product that features interest tiers based on different balance amounts. This account even comes with no monthly fee or minimum balance requirement!

Monthly fee: $0

Minimum balance: $0

Why we like it: Earn higher interest rates as your balance grows. Access direct deposit funds early. No monthly fee or minimum balance requirements. FDIC insured.

Additional features: Get reimbursed for up to $30 in domestic ATM fees per month.

What is an Online Checking Account?

An online checking account works much like a traditional checking account. You can use it to pay your bills, transfer money, and withdraw cash at an ATM via a debit card. The difference is that most of your typical banking functions can be performed from the comfort of your own home. No more standing in line at your local branch!

Pros of an Online Checking Account

With an online checking account, you’re more likely to benefit from the bank’s lower overhead costs. Often, this means better interest rates, fewer fees, and sometimes even no fees!

What’s more? Online checking accounts offer greater convenience to the user. Skip the hassle of driving over to a physical branch, and instead make transactions, deposit checks, and review your account activity from your smartphone or computer!

Cons of an Online Checking Account

Because online checking accounts depend on the internet and technology, there may be times every so often when the bank’s online service goes down — whether it’s due to maintenance or a system error.

Many people are also wary of security threats and identity theft concerns with regard to online checking accounts. While the protection of online accounts has improved by leaps and bounds, cybersecurity might still sway you to stick with a traditional checking account.

What’s the Best Online Checking Account For Me?

With hundreds of different banks competing to hold your money, you shouldn’t have to settle for an account that charges heavy fees, imposes high minimum balance requirements, and yet pays you little to nothing in interest.

Instead, check out a few online checking accounts and be sure to compare line items such as the following:

• Minimum opening deposits
• Minimum balance requirements
• Interest rates
• ATM networks
• ATM fees
• Foreign transaction fees
• FDIC insurance

Should I Have More Than One Online Checking Account?

If you’re living with someone and you share expenses but your finances are not 100% combined — be it a partner, a spouse, or someone you trust — having more than one online checking account can make splitting expenses less complicated. You have your own account, as does the other person, and ideally, you have a joint account from which shared expenses are paid.

Another thing to keep in mind is that the FDIC insurance maximum is $250,000 per account. If you happen to be sitting on that kind of money and are keeping it in an online checking account, you should open multiple accounts so that no single account contains more than $250,000.

And of course, it’s wise to have both an online checking account and a savings account. Putting your savings into a separate account that is dedicated for savings can help prevent the temptation of spending that money.

Do Online Checking Accounts Earn Interest?

Most checking accounts, traditional or online, don’t offer interest; but there are exceptions, and it’s more common among online checking accounts. Some of the online checking accounts on our list pay interest!

Can I Open an Online Checking Account With No Money?

Many online banks do allow customers to open an account with no opening deposit and some even allow you to open an account with no minimum opening deposit and no minimum monthly balance.

It’s Time For a Change

It might be that your current checking account isn’t doing you any favors. Tired of hidden fees, high minimum balance requirements, and low interest rates? Consider making the switch to an online checking account today!

The post 4 Best Online Checking Accounts Of 2024 appeared first on Wall Street Insanity.

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Today, a bank account is a necessity. Without one, tasks like paying bills, saving money, and accessing your paycheck are less convenient and more expensive. In the past, you would have had to open a new bank account at a brick and mortar location — which limited you to what was available in your immediate area.

But thanks to the proliferation of online banking, consumers have more choices than ever and can open an online bank account that offers greater benefits. If you’re on the search for a top online bank account, you’ve come to the right place!

The Best Online Bank Accounts

Ready to make the leap from a traditional bank account to an online bank account? Check out a few of the best options available.

CIT Bank Savings Builder Account

By funding this account with just $100, you could reap the many benefits of a CIT Bank Savings Builder online account. The bank offers a generous interest rate on your balance and doesn’t even charge a monthly fee!

Monthly fee: $0

Minimum opening balance: $100

Why we like it: High interest. Daily compounding interest to maximize your earning potential. FDIC insured.

Additional features: Deposit checks remotely and make transfers with the CIT Bank mobile app.

Axos Bank

Axos Bank Rewards Online Checking Account

Do very few fees and interest on your balance sound too good to be true? With just $50, you can open an Axos Bank Rewards online checking account — an account that comes with no monthly maintenance fees, overdraft fees, or insufficient fund fees.

Monthly fee: $0

Minimum balance: $0

Why we like it: Earn interest when you have at least $1,000 in direct deposits and 15 debit card transactions per month. No maintenance fees, overdraft fees, or insufficient fund fees. FDIC insured.

Additional features: No charges on domestic ATM transactions, plus reimbursement on any charges from ATM operator.

Axos Bank Essential Checking Account

If you want to switch over to online banking and avoid all of the fees that typically come with a traditional account, check out the Axos Bank Essential Checking account. In addition to no monthly fees, no overdraft fees, no non-sufficient funds fees, you’ll even get access to your direct deposit funds up to two days early!

Monthly fee: $0

Minimum balance: $0

Why we like it: No fees and no minimum balance requirements. Access direct deposit funds up to two days early. FDIC insured.

Additional features: No overdraft or non-sufficient funds fees. Unlimited domestic ATM fee reimbursements.

Nationwide by Axos Interest Checking Account

The Nationwide Interest Checking account allows you to earn interest on your checking balance without any minimum balance requirements. With that said, keeping a larger balance will allow you to earn an even higher interest rate! Not to mention, this account has no monthly fee, and even reimburses you on up to $30 in domestic ATM fees each month.

Monthly fee: $0

Minimum balance: $0

Why we like it: Earn interest, including higher rates on higher balances. Access your direct deposit funds two days early. No monthly fee or minimum balance requirements. FDIC insured.

Additional features: Reimbursement on up to $30 in domestic ATM fees each month.

Nationwide by Axos My Savings Account

If you’re all about interest, check out the Nationwide My Savings account — an account that will allow you to earn a very generous interest rate on your balance. All you need is $100 to fund your account and you’ll enjoy all of the features of this online savings account, including no monthly fee and no minimum balance requirement!

Monthly fee: $0

Minimum balance: $0

Why we like it: Earn a high interest rate on your balance. No monthly fee or minimum balance requirements. FDIC insured.

Additional features: Open a Nationwide My Checking account, set up a $1,000 direct deposit, and you’ll earn an even higher interest rate!

The Rise of Online Bank Accounts

While online bank accounts relatively new, online banking is quickly becoming the norm. The millennial generation, in particular, has spearheaded the preference of online bank accounts, and it’s estimated that more than 161 million Americans already use online banking today.

Pros of Online Bank Accounts

Better rates and fees: Because online bank accounts typically have lower overhead costs, they usually come with better interest rates and fewer fees — sometimes no fees at all!

A better user experience: By spending and investing in technology, today’s banks offer online bank account services that are easier and faster for customers.

ATM fees: One of the downsides of an online bank account is that it typically isn’t part of a major ATM network. However, customers are often reimbursed for fees after using another bank’s ATM.

Easy integration: An online bank account can often be integrated with software such as Slack, QuickBooks, and budgeting programs, so that users don’t have to manually enter financial data.

Cons of Online Bank Accounts

Occasional downtime: As online bank account services need to be updated and maintained, you may not be able to access your account every now and then.

Potential security issues: Although cybersecurity has come a long way and online bank accounts are highly guarded, security threats still lurk online— however rare such an event may be.

How to Open an Online Bank Account

You can open an online bank account in less time than it took you to read this article, and of course, everything is done online. Provide your personal information, including your name, address, date of birth, and social security number. Some banks require that you submit verification documents, such as a valid ID and a utility bill in your name at the address you listed. Most will allow you to upload copies of those documents through their online portal.

Be prepared to fund your online bank account with an opening deposit, although some online bank accounts do not have minimum deposit requirements.

Join the 21st Century!

Ready to enjoy the convenience of an online bank account? While there are a handful of great options out there, be sure to compare items such as monthly fees, minimum balance requirements, and interest rates!

The post 5 Best Online Bank Accounts Of 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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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.

3 Of The Best Life Insurance Companies

When you need to buy life insurance, the following companies could offer the kind of policy you need.

1. Ladder (Coverage Amounts From $100,000 to $8,000,000)

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Ladder policies are available to applicants between the ages of 20 and 60. 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 here and help ensure your family’s financial future is secure. Ladder has helped protect many families and has provided over $56 billion in coverage.

Type of Policies: Term life insurance with 10, 15, 20, 25, or 30-year terms.

Coverage Amounts: $100,000 to $8,000,000.

Why We Like It: Ladder has no policy fees and a price lock guarantee. As you age and your health declines, you’ll get to keep paying that same low premium. It allows you to cancel anytime and has a money back guarantee. It has no brokers, no upselling.

Cost: Ladder offer’s term life insurance policies starting from as little as $5 a month and goes higher depending on factors like age and health.

Click here to get a free Ladder quote.

2. Ethos (Coverage Amounts From $100,000 to $2,000,000)

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Ethos, a company that lets you apply online in minutes without leaving your couch (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Coverage ranges from $100,000 – $2,000,000 and may cost as little as the price of a few coffees each month.

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.

Type of Policies: Term life insurance with 10, 15, 20, 25, or 30-year terms.

Cost: Ethos offer’s term life insurance policies starting from as little as $7 a month and goes higher depending on factors like age and health.

Why we like it: You can complete the company’s application in 5 minutes. You’ll simply have to answer a few health questions as part of the online application.

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

3. Fabric by Gerber Life (Coverage Amounts From 100,000 to $5,000,000)

When you buy life insurance through Fabric, you won’t have to deal with an agent or broker trying to upsell you on products or more coverage than you need.

Apply online in minutes for applicants between the ages of 21-70. Fabric offers term life insurance in all states apart from California, and New York.

Most applicants do not require a medical exam. If it is required, it would be at no cost to you and entails a trained professional working around your schedule to meet you conveniently at home or work.

Type of Policies: Term life insurance with terms of 10, 15, 20, 25, and 30 years.

Coverage Amounts: $100,000 to $5,000,000 for term life.

Why We Like It: Fabric by Gerber Life can give parents coverage that is affordable, plus wills, access to college savings funds, and more tools to help protect your family’s financial future—all in an easy online experience. It’s the digital convenience of Fabric, now partnered with a brand trusted by millions of families like yours for more than 50 years.

Click here to start your application. You could be covered in less than 10 minutes.

What is Life Insurance?

A life insurance policy is a contract between an insurance company and a policyholder under which the insurance company guarantees a payout or death benefit to the beneficiaries chosen by the policyholder upon his or her death in exchange for premiums paid by the policyholder.

Types of Life Insurance

There are two main types of life insurance: term and whole life. There are also other less common types of policies that include universal, variable, variable universal, simplified, guaranteed issue, final expense, and group life.

Term Life Insurance

Term life insurance protects your beneficiaries in the event of your premature death. If you have a term policy and die before the end of the term, your heirs will receive a payout. The policy has no additional value.

Terms are usually 10, 20, and 30 years and for most policies. The payout or death benefits and the cost or premium remain the same for the entirety of the term.

Whole Life Insurance

Whole life insurance has a term of your entire life. Your beneficiaries get a payout after your death. It also has an investment component that is known as the cash value of the policy. You can borrow against the cash value or end the policy for a cash payout. If you don’t repay a loan taken against the cash value with interest before you die, the amount of the death benefit is reduced by the amount you failed to pay back.

Who Needs Life Insurance?

Essentially, anyone who has financial dependents needs life insurance. If you were to die, life insurance would help replace your salary so your loved ones could maintain the same standard of living they enjoyed while you were alive.

For those who don’t have financial dependents but have a loan that someone co-signed, life insurance can pay off that loan in the event of your death so the consignor isn’t on the hook for the remaining balance.

How Much Does Life Insurance Cost?

The cost of life insurance varies significantly according to a variety of factors, the two most important being age and health. The younger and healthier you are, the less your premiums will cost. Other factors include:

• Gender
• Family medical history
• Marital status
• Location
• Lifestyle
• Medical test results (if required)
• Length of the term selected.
• Amount of coverage selected.

Most people can find affordable life insurance with some policies (depending on the factors mentioned above), costing less than $20 per month.

How to Get Life Insurance

In the past, the only way to get life insurance was to go through a lengthy process of submitting plenty of paperwork and supporting documentation and undergoing a medical exam. In total, the process took several weeks to be approved and for the policy to take effect.

Thanks to a new generation of insurance companies like the four we’ve highlighted as the best life insurance companies, the process is much faster and easier. Generally, these are the steps:

• Complete an online application
• Undergo a physical exam and lab work if required
• Pay the first premium

That’s all there is to it!

Requirements for Life Insurance

Most insurance companies have an age bracket you must fall within to qualify. The answers to your questions during the application process regarding your health and lifestyle are used to determine if your application will be approved or not.

If your answers are “wrong,” you have a family history of chronic diseases or conditions, you smoke, or you work in a dangerous occupation, this doesn’t necessarily mean you won’t be able to qualify for life insurance. Still, your premiums will likely be higher than if your answers were different.

How To Choose the Best Life Insurance Company For You

Price shouldn’t be the only determining factor when you’re shopping for something as important as life insurance. Look for a life insurance company that offers products that fit the needs of your family. Determine the terms of the type of policy you need, the length of the term (if you’ve chosen term rather than whole life), and the amount of insurance you need.

Life Insurance is Essential

We often avoid dealing with things that make us face our own mortality, and shopping for life insurance is one of those things. It’s hard to think about. But what’s even harder to think about is your family being in financial distress because you died without life insurance.

Don’t wait any longer. Buying life insurance is essential, fast, and easy. And with some of the best life insurance companies covered above, you have a great place to start!

The post 3 Best Life Insurance 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

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