Looking for a credit card with a hefty sign-up bonus? Luckily, there are many cards on the market that are competing for your business. Credit card sign-up bonuses make it easy to jumpstart your reward earnings during the first few months of opening an account. Generally, credit cards fall into two different categories: cash-back cards and travel cards. Cash-back cards, as the name suggests, give you a certain percentage of cash back based on your purchases, and they usually have lower spending requirements to achieve the bonus. On the other hand, travel cards give you points or miles based on your purchases, which can be spent on a variety...
Finance
A personal loan is helpful when you need to pay off some debt, raise extra cash to buy an asset or cover an emergency. Prequalification is a good way to determine how much personal loan you can get. However, this process may not be straightforward. It's not surprising that “prequalify for personal loans” is a popular search query. In this guide, we explore the nitty-gritty of prequalifying for personal loans. From its multiple benefits to the conditions for prequalification and what to do if your application is approved or disapproved, you'll find everything you need to know about prequalification in this guide. Why should you bother with prequalification? It's...
No credit check personal loans can be tempting for borrowers with poor credit histories, but they come with significant drawbacks. These lenders bypass traditional credit checks, but still assess your creditworthiness through alternative methods, often at a much steeper cost. They might look at your income, bank account activity and debt-to-income ratio to determine eligibility. While easier to qualify for, these loans can saddle you with sky-high interest rates and fees potentially leading to a debt spiral. The cost and damage are always high but if you have no choice, it's still possible to get personal loans with no hard credit check. Here's what to watch out for: No...
Many people have questioned if there's an earning potential on Airbnb. The answer is yes! There have been numerous success stories of how people went from traditional income to a bigger income stream. If you want to know how to make money on Airbnb, follow these essential tips. The most popular way to make money on Airbnb is by listing your own space. This can be a spare room, your entire home or even unique properties like cabins or treehouses. The key to success here lies in creating a...
The practice of acquiring gold as a financial asset to preserve and increase its value over time is referred to as a gold investment. Gold does not generate income through interest or dividends like stocks and bonds. Investors must carefully monitor and rely on price appreciation for their income and returns. Investors can engage with gold through various methods: Having its own set of advantages and considerations, in its way, each form of gold investment caters to different investor needs and risk tolerances. The best time to invest in...
While having a car can give you freedom, it comes with responsibilities. Beyond insurance, fuel and maintenance, something that might slip your mind is taxing it. The V5C logbook is usually a key document you need to tax your car, but what if you don’t have it? Perhaps it’s lost, been stolen or you bought a second-hand car without one. Luckily, there are ways around this. In this article, we’ll be going over alternative ways you can tax your vehicle without the V5 form to ensure your registration stays...
Owning rental properties can be a lucrative investment. What some landlords may not realize is that it can also come with serious risks. Landlords are generally responsible for keeping their properties safe and habitable for their tenants. However, unforeseen accidents can lead to expensive lawsuits. Hearing this, you might be thinking, “Well, that won’t happen to me.” You might be surprised to learn that tenants file 90% of personal injury lawsuits against landlords in the rental housing industry. That’s where landlord liability insurance comes in – to act as...
Many homeowners get insurance policies to protect their homes against contingencies like natural disasters, fire outbreaks and burglary. They expect the insurance company will compensate them for losses when these incidents occur. However, this isn't as simple as it seems. Insurance companies hire insurance adjusters to investigate the homeowners' claims and determine the compensation the homeowner will receive. However, because these adjusters are hired by the insurance company, they often use tactics to undervalue the damages and minimize payouts. This way, the insurance company makes more profits at the...