Burial insurance for seniors: The Ultimate Guide

According to statistics from the Insurance Information Institute, the average life expectancy in the United States is currently 78 years old. This means that seniors, or those aged 65 and…

The 10 Cheapest States to Live In

The cost of living can vary greatly from state to state. Some states are much cheaper to live in than others. Here are the 10 cheapest states to live in,…

Finding the best business loan online (quick guide)

There are times your business may experience cash flow problems. An online business loan will come in handy at this time; whether it is paying for an emergency bill or…

Invoice payment terms: How it works (with examples)

Invoices are a common part of doing business. If you’re purchasing an item from someone, they will provide the invoice with the terms for making payment. This article will explore…

When and why you should use a factoring company

Small businesses are encouraged to grow but are often not given the same financing opportunities as larger corporations. For example, when it comes to business loans. It is much easier…

What is Etsy? Pros and cons for new sellers

Etsy is an online marketplace that allows anyone to sell their handmade or vintage items. Etsy is the world’s leading peer-to-peer ecommerce site for buying and selling unique goods from…

PayPal for small business: Pros and cons

PayPal is a global e-commerce business allowing payments and money transfers to be made through the Internet. It was founded in 1998 by Peter Thiel, Elon Musk, Luke Nosek, Ken…

What are GAAP (Generally Accepted Accounting Principles)?

GAAP is an acronym for Generally Accepted Accounting Principles (GAAP) which is a set of guidelines and standards for how businesses should account for their transactions. These rules are designed…

Complying with the FDCPA as a small business

You may have heard and read about debt collection agencies. The agencies are tasked with collecting money from borrowers who haven’t paid their debts in time. It is not uncommon…

The best small business credit card

There is a wide variety of business credit cards on the market. Choosing the right credit card for you and your company can be a difficult decision. Ultimately it will…

High-yield CD explained

What is a high-yield CD? A high-yield CD is a certificate of deposit that has a higher interest rate than traditional CDs. They are also referred to as jumbo CDs,…

6 Great Tips for Transferring Credit Card Balances

ransferring credit card balances is a great way to save money. If you have high interest rates on your credit cards, it may be time to consider transferring the balance…

What is down payment?

What is a down payment? This is one of the most common questions that people have when they are looking to buy a house. If you’re not sure what a…

How to Save Money: 26 Easy Ways

We all want to save money, but it can be hard when you have a family, mortgages and more. I’m sure you’ve heard the saying “a penny saved is a…

Bull vs Bear: What It Means and How They’re Different

Bulls and bears are two types of investors that have different outlooks on the market. Bulls are optimistic and think the price will continue to rise in the future, while…

I paid off my credit card debt – now what?

It’s been a long time coming, but you’ve finally paid off your credit card debt. You’re feeling pretty good about yourself. Maybe even a little smug. But what happens when…

Citi Double Cash: High rewards and no annual fee

The Citi Double Cash credit card is best for people who are looking to get a simple and straightforward credit card with an excellent cash back rewards program. If you’re…

How a high balance on your credit card affects your credit score

Do you have a high balance on your credit card? Do you ever wonder how much of that bill is going to interest, and how much of it goes toward…

What Is a Bankruptcy Certificate?

A bankruptcy certificate is a document that allows someone to release themselves from debt, and it is issued by a court. It’s not an easy process to go through, but…

Paying off credit cards with a personal loan: good or bad?

This is a very common financial strategy that many people have already done, but there are some drawbacks that you should be aware of before going ahead with this plan.…

The Fair Debt Collections Practices Act (FDCPA) and how it affects you

In recent years, the Fair Debt Collection Practices Act (FDCPA) has been a topic of much debate. The FDCPA was designed to protect consumers from unfair, deceptive and abusive debt…

How to get rid of credit card debt

Everybody needs credit. It is a credit card that can be used in different places and for different purposes, whether it’s buying groceries or paying the electricity bill. But credit…

How to transfer balance from one credit card to another

The average household owes about $15,000 in credit card debt, according to the Federal Reserve Bank of New York. And that number has been steadily rising since the 2008 financial…

Can you pay off a credit card with another credit card?

The short answer is: Yes, you can pay off your credit card using any other card. You can use one of your other cards to cover the payment on your…

How the balance on your credit card works

What is a credit card balance? A credit card balance is the amount that a person owes the bank because of purchases made using a credit card. It should be…

Paying off loans with a credit card: usually a bad idea

People often believe that you can pay off loans with your credit card, but this is not the case. Credit cards charge high interest rates and do not offer any…

0% intro APR: What does it mean, and why should I care?

The meaning of 0% intro APR is that you can get a credit card with no interest for an introductory period. The length of the introductory period varies from card…

OppLoans Installment Loans: A safe choice?

OppLoans is a company that provides loans for people who have low credit scores. These loans are typically used to pay off bills, make home repairs, or fund other needs.…

How to apply for a personal loan

Applying for a loan can seem intimidating at first glance but it’s not as complicated as you might think. When you need money quickly, there are two main options: borrowing…

What is an unsecured loan?

A unsecured loan is a type of personal loan that, like all other types of loans, requires repayment to the lender. This type of loan does not require collateral as…

Unsecured loans vs secured loans

A secured personal loan is a type of lending that requires security as collateral. This means, if you default on the loan, the lender can take your assets and sell them to get their…

How Loans Work

What is a loan? What are the different types of loans? How do you get one and how does it work? This article will answer all these questions. A loan…

Installment loans: What are they?

You might have heard of installment loans, but what are they? If you need money to buy something big, like a car, then an installment loan may be perfect for…

How to refinance a personal loan

A personal loan is a type of unsecured debt, typically taken out for small purchases or larger projects. Refinancing is when an individual takes out another personal loan to pay…

What is a budget (and why do I need one)?

Budgeting is one of the most important and necessary things a person can do. It’s also one of the most difficult. That’s because it requires discipline, diligence, and self-control in…

The 50/30/20 Rule: How  It Works

The 50/30/20 rule is a popular budgeting method that splits your monthly income between three main categories: needs, wants, and savings. The formula has become very popular in large part…

Good Budgeting Basics: What You Need To Know

Budgeting is something that many people struggle with. It’s a difficult and often tedious process, but it can be extremely important to your financial stability in the long run. A…

The Truth About Payday Loans

Payday loans are a type of short-term loan that is given to people who need money quickly. They are often used by those with low credit scores and bad credit…

How to Get a Payday Loan in 3 Easy Steps

Getting a payday loan can be a great way to get the money you need in an emergency. With so many options available, it can be challenging and confusing to…

What is a Bill of Lading: Definition and purpose

A Bill of Lading (abbreviated as BoL) is a document which serves as proof that goods have been delivered. It also specifies the terms and conditions under which those goods…

Invoice 2 Go

Invoice 2 Go is a small business invoicing software package that also comes with some additional tools to help with the accounting needs of a small company. Templates One of…

Pros and cons with using Excel for invoicing

Businesses, in general, have a lot of resources available to them when it comes to their accounting requirements. One of the accounting tasks is creating invoices. This means the accounting…

Using Microsoft Word for invoicing: Cheap and easy

Using Microsoft Word to Create Professional Invoices With businesses having access to the internet, it means they can utilize some significant resources for creating invoices using Microsoft Word. But, when…

Zoho Invoicing

Taking a Look at Zoho Invoicing Every business wants to rely on resources that are going to help them operate their business. When it comes to invoicing there are plenty…

Free invoice generators: pros & cons

Mandatory Rules for Invoices Businesses have an obligation to keep proper financial records as well as creating the necessary financial documents that pertain to the business. In many cases, one…

The best business bank accounts

As a business owner in the U.S., you know that selecting the right business bank account is no easy task. Many banks will entice you with all forms of offers,…

Best debt collection agency for small businesses

A debt collection agency is an entity that helps lenders or businesses recover debts that are past due, according to the Fair Debt Collection Practices Act (FDCPA). Debt collection agencies…

Best invoice apps for small business

When Choosing an Invoice App It is not that long since accountants, and small business managers only used Word and Excel software for invoicing. With the world continually developing constant…

Using receipts in your small business

Every business has many different types of records that they will need to deal with when it comes to the financial accounting for their company. One of the groups of…

Setting up your invoice template: How-To

Download your free invoice template Tap the button to download your invoice template in standard Word format. We strongly recommend that you read the information (below) and our other guides…