• 6 top business credit card companies

    The right business credit card can help you save thousands of dollars. Business accounts can earn more rewards like discounts, hotel stays, and cashback offers. You may also use these cards to meet short-term financial requirements. In case you haven’t applied for one yet, you must check out 6 of the top business credit cards that you can apply for to make your life easier.

    American Express Blue Business® Plus Card

    This is an ideal business credit card offered by one of the leading credit card companies and does not levy any annual fees. You receive twice the Membership Reward® points upto $50,000 with no category restrictions, which reduces to 1% thereafter. The cashback earned automatically gets credited in your statement. The regular APR on this card is 13.24% to 19.24% variable.

    CitiBusiness® AAdvantage® Platinum Select® MasterCard®

    This is an excellent option if you undertake frequent business travel with American Airlines. You earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Additionally, the card offers 2 AAdvantage® miles for every dollar spent on telecommunications, fuel, car rental, and cable and satellite services. All other purchases earn you one mile for every dollar spent. The annual fee is $99 (waived in the first year) and regular APR varies between 15.99% and 24.99%.

    Delta SkyMiles® Gold Business American Express Card

    This card provides miles for bookings not only on Delta Airlines but on other business spendings too. Delta Airlines bookings earn two miles for every dollar spent. Additionally, you earn two miles for domestic advertising, restaurants, and shipping. When you spend $10,000 with this card, you receive $100 Delta credit along with priority boarding and free checked bags on all flights. There is no introductory annual fee for the first 12 months; thereafter $99 is applicable.

    JetBlue Business Card

    If you use JetBlue flights for your travel, this card is an excellent option because you earn six points for every JetBlue purchase. Additionally, you earn two points for spending on office supplies and restaurants. All other purchases earn one point per dollar. Other perks include a free first checked-in bag for self and three companions. If you the buy JetBlue vacation package with this card, you receive USD 100 annual credit in your statement. The annual fee for the JetBlue Business Card is $99.

    U.S. Bank Business Cash Rewards World Elite MasterCard®

    This card is specifically designed to meet the needs of small and medium-sized businesses. You earn 3% cashback for spending on office supplies, gas, and cellular services. All other purchases are eligible for 1% cashback without any cap. Additionally, you may earn a 25% annual cashback bonus to a maximum of $250 based on the cash rewards earned in the previous year. There is no annual charge on this card for the holder of the card or the business’s employees.

    American Express Business Platinum Card®

    Another excellent card offering from one of the best credit card companies, this card is one of the best travel reward cards for businesses. You earn 5X points for every dollar spent on flight and hotel bookings made via the Amextravel website. In addition to the rewards program, you receive excellent travel perks like an airline fee credit of up to $200 and access to the global lounge. Additionally, 35% of your points are returned in an Airline Bonus option, if you wish, when you redeem reward points to book flights via the website of Amextravel.

  • Top 10 debt settlement companies to consider

    A lot of people get stuck in debt due to many reasons. The interest rates keep adding up, taking a toll on an individual’s financial stability. In such a case, debt settlement can be quite helpful if you wish to settle a large amount. Here is a list of top 10 debt settlement companies that you can consider to help ease the burden off your shoulders.

    • National Debt Relief
      National Debt Relief has the most detailed insights on their website that can help you with debt settlement. It talks about the debt qualification, the amount of money you need to pay for enrolments as well as the debt relief services that they offer. The average savings after the fees is around 30%.
    • CreditAssociates
      This particular company is known for helping clients with the elimination of debt. They undertake this entire process between twenty-four to thirty-six months. They use enhanced software, and the outstanding expertise of their team to help their clients with great debt negotiation services.
    • Pacific Debt Inc
      This is one of the top 10 debt settlement companies that you can consider. You need to have a minimum of $10,000 in debt to avail their services. They offer an affordable monthly program/plan with payment as well as upfront fees. The service fees can vary somewhere between 15% and 20% of the entire debt.
    • United Debt Counselors
      If you are looking for an online debt settlement company, then this is a great option. It works specifically for personalized debt settlement. You need to pay about 30% to 40% of your debt to avail the reduction services.
    • CuraDebt
      CuraDebt is another company that offers debt settlement services with a great savings average. It offers 40% reduction after fees. You can opt for any of their business debt solutions that they offer. Their reliable customer service also helps with debt-related queries.
    • New Era Debt Solutions
      The average debt reduction for this company is about 47%. In this, you can expect the debts to get settled in three years or even less, depending on how the program gets funded. They do not charge any upfront fees.
    • Midland Credit Management
      This company is dedicated to helping different customers resolve past debt. They also have varied payment plans and discounts for their clients. You can check their impressive account history, which can be accessed online.
    • ZipDebt
      ZipDebt is also a great option to consider. It offers a flat fee, which includes $197 for a basic program and $777 for a premium program. You will end up receiving a lot of materials that can help you bypass the different settlement companies through which you can avoid bankruptcy. Their fees are negotiable and reasonable as well.

    Two of the other companies that you can consider while looking to settle your debt are mentioned below. They have a good track record and you can find different offers on both:

    • Donaldson Williams
    • J.G Wentworth Debt Relief

    We hope our list of top 10 debt settlement companies helps you ease your accumulated debt. Consider and choose the best option for yourself. We recommend you to compare the prices and do a thorough research before you settle on one company.

  • Reverse mortgage eligibility and its criteria

    As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals.

    Here are the criteria for reverse mortgage eligibility:

    Personal criteria

    • Age
      You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases.
    • Property
      The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages.
    • Home equity
      You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.

    The home equity requirement varies from one borrower to another and is based on your individual situation. If you are younger and the only titleholder to the property, the home equity required may be more than 50%. We recommend using a reverse mortgage calculator to understand the requirement.

    • Counseling
      Meeting with a Housing and Urban Development (HUD) Department-approved counselor is mandatory. The counselor will help you understand all about a reverse mortgage and all the associated expenses. This is to ensure you completely understand the terms and conditions and are familiar prior to applying for the mortgage.

    HECM Property Criteria

    • All types of single-family homes qualify for a reverse mortgage. Two to four-unit properties with one unit that you occupy are also eligible
    • Homes built after June 1976, meeting HUD requirements
    • Federal Housing Association (FHA)-approved condos
    • Townhomes

    Mobile and manufactured homes and multi-tenanted properties with more than four units are not eligible for a reverse mortgage

    Financial criteria

    To qualify for a reverse mortgage, you need to prove your financial ability to pay your loans and other expenses, such as insurance, taxes, and homeowners’ association fees. Moreover, you need to be financially stable to pay for regular repairs and maintenance of the property.

    Non-payment of any of the aforementioned expenses violates the terms of the reverse mortgage and is considered a default. Therefore, considering the income criterion while contemplating a reverse mortgage is important.

    Here are the types of income that are considered to determine your reverse mortgage eligibility:

    • Income from employment
    • Non-borrower spouse or other family members’ incomes
    • Earnings through part-time employment
    • Overtime and bonus income
    • Seasonal employment earnings
    • Other factors, such as social security, interest, dividend, and trust income, self-employment income, VA benefits, commissions, disability benefits, rental income, income from employment in a family-owned business, workman’s compensation, annuity, retirement and pension benefits, and public assistance are also taken into consideration.
  • A look at some of the best free investment advisors

    As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list:

    1. Interactive Brokers

    Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base.

    1. You Invest by JP Morgan Chase

    You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online. It does not only help you research investments but also aids you in managing and trading them with a plethora of online tools. There is also an option to manage portfolios and trade on your own; and you do not need an account balance to start using this platform.

    1. SoFi Active Investing

    SoFi Active Investing gives you the opportunity to trade stocks of brands that you are particularly keen on. Apart from being a system that requires no fees or account minimums, it is also a community wherein you can interact with fellow investors through various events. You can also trust SoFi to come up with discounts and invites to these events. In addition, SoFi has plenty of online resources available for your perusal, thereby enabling you to further explore your investment interests.

    1. E*Trade

    With plenty of investment options in stocks and ETFs, you can go for commission-free trading by E*Trade, which comes with a complete range of investments coupled with professionally handled accounts. It also has intuitive platforms offering you the best in mobile and online trading. E*Trade lets you make up to 30 stock and option trades per quarter, at no cost. The platform is quite user-friendly as well. Start by setting your goals, after which you can open your account, and then choose the investments that you wish to add to your portfolio.

    1. TD Ameritrade

    With no commission fee on online stock trading, TD Ameritrade can be considered when you are just beginning to invest without having to pay a fee. This provider offers an ace trading experience with a variety of ETFs listed on its portal. One of the topmost options available in the market, TD Ameritrade also provides you with access to important trading tools and resources.

    The aforementioned list of best investment advisors can help you as you navigate the different investment options that are available to you. Make an informed decision once you have analyzed all the offerings and weighed them against each other.

  • Five websites to help make money online

    Making money online is not as hard as you think it is. If you have a bunch of skills to showcase and a drive to get things done, you can easily make hundreds of dollars every month. Nonetheless, sometimes, phony websites and Ponzi schemes seem to make it difficult to find the right sources of money. Therefore, we have taken the liberty to note down five reliable websites to make money online easily.

    Got something to share? Is it interesting and non-explicit? Then YouTube is the place to be. All you need to do is create engaging videos, and you can make thousands of dollars depending on how many views you get. Keep up the good work, and YouTube will keep paying you depending on the number of views on every new video you upload.

    Fiverr is a great place to make money if you’re looking for freelancing jobs. From content writing to marketing and web development, Fiverr has a job for everybody. The basic pay starts at approximately $5 an hour. The process, too, is fairly simple. Once you get an order, you complete it, get paid, and Fiverr takes a small cut (around $1).

    With Shopify, there is no definite pay scale. This is because running a store on Shopify means starting a dropshipping business. The process is simple. Set up a store on Shopify and design your website using free templates. When a customer buys a product, the request goes to the supplier. They ship the product directly to your customer, and you make money.

    This virtual assistant platform enables you to work for simply anybody remotely. Your boss can give many small tasks such as planning an event, making purchases, and booking appointments. A beginner gets paid anywhere between $11-$15 per hour. However, as your expertise grows, so does your base pay. Some end up making up to $500 a month only on Zirtual.

    Upwork helps you make money by utilizing your skills. From marketing to sales and graphic designing, you get a platform to showcase your skills and get paid. Upwork takes a small commission from your earnings. However, the more the payments, the lesser the commission taken. Nonetheless, as the platform is very popular, the competition is very high.

  • 3 money-making apps in 2021

    In the age of smartphones, people have been able to make an app for practically everything. These apps have made it extremely convenient for us to lead our lives and carry out our day-to-day activities. You might not know this, but you can earn cash using apps in your spare time! Could you imagine how great it would be to get paid to be on our phone all the time? Here are some popular cash-making apps in 2021.

    This app is perfect for those who enjoy indulging in a little bit of online shopping every now and then. This app only works on mobile, and you can redeem your points as gift cards whenever you decide to do so. Moreover, this app allows you to earn points whenever you walk into their partnered stores. You can also earn additional points by watching ads and videos as well as by scanning certain barcodes. The only downside to this app is that you aren’t paid in actual cash when using this app.

    This app is great if you are looking for an app that offers automatic payment options. This app can be used on your mobile phone as well as on your desktop browser. There are three easy ways in which you can get cashback from this app. You can either make purchases at eligible stores, upload a receipt from these eligible stores, or link a store loyalty card before you shop. Although the cash-out threshold is slightly lower than other apps, this is definitely one of the most popular apps being used right now.

    Foap is perfect for all aspiring and professional photographers out there who are just beginning to hone their craft. This app allows you to sell your photos to people who need to use them in an easy and hassle-free manner. You only need $5 to withdraw cash from your account, and you don’t have to buy a fancy DSLR camera to sell your photos. All the payouts are sent through PayPal, so make sure you create your own account before logging into this app.

  • Quick and easy ways to sell your timeshare

    Timeshares are a lucrative way of investing in property that you can own for a specific period. Investing in a timeshare opens up avenues for travel and affordable stay at exotic locations. But reselling the space is where it gets tricky, as the demand for these properties varies on factors like location and price. 

    Here are some good ways to make a sale quickly:

    • Go through an agent
      Real estate agents who specialize in buying and selling timeshare properties will help you unload your ownership quickly. You must do thorough research and choose an agent with plenty of experience in the area. Verified agents can broker a deal quickly because of their contacts in the market, and they will keep track of current listings and await an opportunity to broker deals for a quick commission.
    • Find a website
      A lot of websites nowadays broker timeshare deals online. They connect sellers to buyers who are looking to rent or buy some vacation space. In exchange for a small transaction fee or even a membership, you can list your timeshare deal on popular web portals. Your ad will be made visible to millions of buyers. Websites also offer professional help to close the deal without much hassle. This is the quickest way to offload timeshare properties.
    • Sell through your resort
      If you own a timeshare space at exotic beach resorts, it is always quicker to broker a deal with the resort owner. This way, you can avoid paying an agent or brokering a fee to third parties. The only catch is that you will have to verify the buyer, as resort owners will initiate the process to authorize the sale. But don’t make the mistake of exchanging your current ownership with a timeshare upgrade. Simply contact the owner and sell it off.
    • Advertise online
      If you can and want to sell your timeshare at a value you deem fit, advertise online. This way, you don’t have to shell out cash in order to make the sale through a third-party broker. Use social media and even Craigslist to put up free ads. But ensure that you can reach an agreement with potential buyers.
  • 4 effective tips for booking your next rental

    Renting a car may seem like a simple activity, something you can do online in a matter of minutes. But apart from renter’s insurance, the cost of the rental, and other fees chargeable, there are a number of points to consider so you can get the best deal, from location to size of the vehicle and budget tips; here are a few tips to get you started.

    • Book in advance
      Book your travel arrangements well in advance, especially if you are planning a road trip. This way, you can switch vehicles in the cities planned along the route to save money and rent a different car each time. The location also matters as research suggests that car rentals in the suburbs are slightly cheaper than in a franchise that is smack dab in the center of the city. Also, avoid renting one straight out of the airport, as taxes and hidden charges will be levied on such rentals.
    • Take the weather into account
      There is not much you can do when it pours or snows out of nowhere. But taking the weather into account can help you rent a suitable vehicle for those driving conditions. For example, four-wheel-drive cars work well in heavy snow conditions or places where traction is compromised. You can select special vehicles by clicking on the filters and prioritizing your search on booking websites during winter and rainy months.
    • Consider space and occupancy
      If you are going on a long road trip, consider renting an SUV or full-sized vehicle that offers more comfort and storage. In driving conditions where the road might get bumpy or rough, a full-sized vehicle is better suited for long hours or even driving at night. Most full-sized SUVs are equipped to seat 5-6 people and still leave enough boot room for their luggage. It pays to book in advance so that you also get the best deal that is available out there.
    • Save money with fuel efficiency
      Most people who search for car rentals always filter the results according to fuel efficiency before even looking up the rental price. Because you can save more money by driving a mileage-friendly vehicle rather than renting a car that is cheap but turns out to be a gas guzzler. Fuel-efficient vehicles are also environment friendly, so you get points for that! Compare across popular websites that offer car rentals for 2021 and get the latest quotes with value-added services.