Finance

25 Finding the Best Prepaid Card With No Fees

Prepaid cards with no fees can help individuals stick to their budgets, build good credit histories, and practice good financial habits without wasting their hard-earned money. Prepaid debit cards are easy to find, whether in stores or online, and require no credit check to start using. For individuals who are unable to get bank accounts, prepaid cards offer an ideal way to pay bills and build ...

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26 Fixed Income Funds

Fixed income funds are the best way to get real returns on a regular basis. With fixed income investing, you?ll have a more predictable and transparent strategy for getting regular income from your investments. Because it?s always good to have some extra cash, fixed income funds are the most reliable way to get it. Whether you are currently working or retired, with the right investments you can...

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27 Free Checking Accounts

Free checking accounts let you safely store and access your money without the fees of normal banking. It used to be that most major banks offered some form of free checking. These accounts are harder to come by these days, but online banks, credit unions and other lenders do offer free account options. Three of the best free checking account providers are Bank5 Connect, Capital One and Simple. ...

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28 Free Online Real Estate Databases

If you are in the real estate business, even remotely, you can benefit from having a real estate database. The database lists every listing there is online, from every source. There are some free real estate databases that offer this basic information, but if you need more than just house listings, you need something of higher quality. The three best ones out there are Redfin, Zillow, and Truli...

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29 Getting Preapproved Mortgages Online

Getting preapproved mortgages online is the easiest and fastest way to begin the process of buying a home. In order to qualify for preapproved mortgages, consumers need to research and choose the best lending company for their needs. These lending professionals deal with sensitive information, evaluating credit reports, credit scores, and income histories in order to determine how much of a hom...

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30 Hard Money Second Mortgages

When a home is worth more than someone owes on it, they can pull this equity out of their home through a second mortgage. There are many different second mortgage loans out there, so learning about the various types can help a person hone in on the type of second mortgage that is right for them. Many people do not know what a hard money second mortgage is, and as such, may not consider one when...

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31 High-Rate CDs

High-rate CDs are a great way to get more money in just a few years. Similar to savings accounts, CDs or certificates of deposit are insured without risk. These CDs, however, have fixed terms and rates, lasting just a few months or even up to 5 years. At the end of the term, once the account has matured you can collect your original deposit, plus all the accrued interest you?ve earned. And with...

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32 How to Invest in Gold

When the world gets uncertain, gold becomes a popular investment. The price of gold has gone up for many decades, and people have the feeling that precious metals will not lose their value. There are a lot of ways to invest in gold or any precious metal for that matter. You can buy actual gold itself in bars, or you can buy gold coins. There are also futures markets and stocks you may invest wi...

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33 ID Fraud Protection Companies

Having your identity stolen can be one of the most gut-wrenching experiences for an individual, especially if the thief now has access to financial information, assets, and personal information regarding your life. Choosing the best ID fraud protection company is a way to protect your identity from theft, while also continuously having peace of mind that your information is safe, secure, and be...

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34 Important Information to Review Before Filing for Bankruptcy

If you find yourself drowning in debt, are unable to meet your financial obligations and have creditors calling every day then you may want to consider filing for Chapter 7 or Chapter 13 bankruptcy. However, filing bankruptcy is a very serious decision, and one that will have a lasting impact on your credit report and your ability to get a credit line for years to come. In addition, filing for ...

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35 Income Annuities

Income annuities are a way to receive money on a regular basis rather than in a lump sum. Many people who receive a cash settlement of some sort will invest those proceeds into an annuity and receive regular payments over a specified period of time. These investment vehicles?are popular with retirees or those nearing retirement. The up-front income is invested in both fixed or variable instrume...

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36 Income Funds

Income funds are an effective way to earn interest on capital that may not receive a very high rate of return. With today's interest rates at a low level investors, especially retirees, are looking for alternatives to savings accounts. Income accounts that invest in dividend paying stocks that pay out regular dividends to their stockholders. These funds do involve?some risk but investors that a...

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