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5 Alternatives to High Yield Online Savings Accounts
Savings account interest rates have been plummeting. Here are five of the best alternatives to a savings account to make the most of your money.
Putting your money away in a high yield savings account is one of the smartest and safest moves you can make. The first $250,000 is insured per account holder and at 2% interest, the money will grow over time. The problem is that it’s been some time since online savings accounts yielded a rate north of 2%.
What Is Vesting and Why Should You Care?
Vesting refers to the act of becoming fully entitled in an employer’s retirement fund, pension plan, stock options, or other related assets. The vested assets that you have can never be taken away from you. Money that has not vested, however, is lost when you leave the company. So it’s critical that you understand the difference.
Employers offer employees certain perks to incentivize them to remain loyal and deliver premium work. Giving employees non-forfeitable ownership of employer-sponsored retirement and pension assets is one of the main ways companies do this.
Review of Republic Wireless
Republic Wireless claims to offer excellent phones and service at rock bottom prices. In this Republic Wireless review, we put these claims to the test.
Mobile devices were supposed to free us from the tethers of landlines. Unfortunately, many wireless plans can leave us tethered to expensive contracts and oppressive terms. This is why contract-free mobile plans have become so popular in recent years.
One of the big stars of the contract-free world is Republic Wireless. Are you thinking of making the switch to this way of talking, texting and browsing?
Republic Wireless Coverage
The first step is determining whether you have coverage in your area. This link takes you to a tool that detects your location and determines your coverage. I tested it in Springfield, MO and had full coverage.
The Best Small Business Credit Cards of 2018
Editor’s Note: Thank you for your interest, any offer(s) below might be expired and no longer available.
A terrific way to earn some extra cash when running a business is by using the right business credit card. Depending on how much your business spends, the potential savings could be thousands of dollars.
Small business credit cards are valuable when used properly. In addition to earning rewards, you can use them to track spending and manage employee cards. You can also earn a nice initial signing bonus. Below, you will find a list of the best small business credit cards available to you today.
Pay close attention to the details of each card. Try to match your spending habits to the card that will earn you the best rate of return.
Feel free to ask any questions you might have about business credit cards in the comments section. We are happy to help!
The Best Gas Credit Cards of 2018
Editor’s Note: Thank you for your interest, any offer(s) below expired and are no longer available.
Don’t look now, but gas prices are slowly on the rise. Admittedly, the last few years have been really nice from a gas price perspective. Most of the country is paying in the low $2 range for their gas. In some locations, we’re talking a buck ninety.
Low gas prices reduce the benefits of the best gas credit cards. The lower cost of gas reduces your savings. With prices inching their way back to the $3 range, a gas credit card is a crucial savings tool. I work from home, rarely leave the house during the week and still save $50+ a year on gas purchases.
Below you’ll find a list we’ve compiled which feature the best gas credit cards available to you today. Some favor heavy spenders, some light spenders. But they all qualify as having a great rewards program and terrific gas buying perks.
7 Ways to Evaluate the Best Online Savings Accounts
I’m a huge fan on online banking. In fact, I opened our first online savings account with ING Direct (now Capital One 360) over ten years ago, and I haven’t looked back since.
Sure, I still have a local brick and mortar bank for convenience, but I keep the vast majority of our savings online. Why? Because online banks offer significantly higher interest rates than do their local competitors.
How To Tell if a Credit Card Annual Fee is Worth It
Editor’s Note: Thank you for your interest, any offer(s) below might be expired and no longer available.
The best credit cards often come with annual fees. From $59 to $450, these hefty fees can set you back a pretty penny. Here are six questions to ask to determine if a credit card annual fee is worth it.
Credit cards that come with annual fees usually dangle some pretty impressive perks in front of applicants. It can be easy to assume that perks like airline miles and cash back would justify annual fees. But that’s not always true.
It’s worth taking a step back to decide if paying an annual fee just for the privilege of owning a credit card is worth it. This usually requires tallying up how much you are paying for a card versus the cash value of the perks and bonuses you’re receiving.
Before you sign up for a card with an annual fee, here are six questions to consider.
The Fine Art of ‘Reverse Budgeting’
Budgeting is an incredibly popular topic among the financially savvy. And yet some of the most financially-savvy people I know don’t actually budget. With zero based budgeting, there’s no longer any excuse to avoid a budget.
When you think about a budget, what do you think of? You might think of having umpteen different categories to divide all of your expenses among. Each time you make a transaction, you have to decide which category to put that expense into. And then what happens if you over-spend in one category? You have to decide which other category that expense comes from.
This can get really complicated really quickly. In fact, you could wind up spending hours and hours each month just managing your budget. I, for one, don’t have time for that!
Instead, I use a practice I call reverse budgeting. It can also be called zero-based budgeting.
5 Early Retirement Challenges You MUST Be Prepared For
Early retirement is a dream for many. While saving enough to accomplish this goal is challenging, it’s just the beginning. Here are five challenges you must include in your early retirement planning.
It seems as if everyone these days is planning for early retirement – or at least planning to plan for early retirement.
Saving and investing a lot of money is the obvious starting point. But there are also early retirement challenges that you must be prepared for. That part of the equation is just as important as building up a sizable retirement portfolio.
Here are five of those early retirement challenges, and how you can prepare for them.
Is Travel Insurance Worth the Cost?
Editor’s Note: Thank you for your interest, any offer(s) below might be expired and no longer available.
Every time you book a costly trip you’re faced with this question: Is travel insurance worth it? We help you answer this question. We also show you how you can get travel insurance for free.
If you’ve booked a vacation for your family lately or sent your kid off on a school-sponsored field trip, you’ve probably considered trip cancellation insurance. These offers promise to reimburse you for the vacation or field trip if you need to cancel.
So, are these plans worth the cost? Well, the answer to that really depends on your own personal risk calculation.
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