For the first time in history, the average national credit score reached 700 last year according to FICO. On the upper end of FICO’s 300 to 850 credit score range, consumers with a score of 700 are rated as ‘very good’ credit risks. However, according to Experian, which looked at VantageScore credit score data, 21 percent of U.S. consumers had deep-subprime scores below 600. Poor and subprime credit ratings cost the consumers who carry them thousands of dollars in higher interest rates on loans and revolving credit, as well as higher premiums on auto and other insurance products.
My Subscription Addiction: A Finance-Friendly Way to Indulge a Love of Discovery
Are the free product samples your favorite part of any Sephora order you place? Do you love discovering new makeup brands at the Nordstrom beauty counter? Or noshing on complimentary snacks as you cruise the aisles at Costco or Sam’s Club? How about the excitement of opening a box when you have no idea what it contains? If you answered yes to any of these questions, you will probably enjoy the subscription box experience.
For Prime Points Redemptions, Head to Columbus
While the heart of the Midwest may not be everybody’s first choice as a travel destination, Columbus, Ohio, is a wonderful place to vacation in the spring and summer. With a wealth of festivals, activities and sporting events, coupled with easy access, Ohio’s capital city is perfect for families and solo travelers alike. Traveling to Columbus can also be done rather cheaply when redeeming points or miles for travel.
Grow Your Portfolio With Fundrise
Real estate is one of the most popular alternative investments. But what if you don’t have the time or capital to buy and sell physical property? And what if the public REIT (real estate investment trust) offerings are less than attractive? That’s where private real estate investments, which are investments in real estate assets not tradable on a public exchange, find their niche.
BBVA Compass Express Personal Loans Make Borrowing Affordable and Fast
The average American consumer carried $6,354 in credit card debt in 2017, a nearly 3 percent increase over the previous year according to Experian’s State of Credit survey. Though consumers are only utilizing an average of 30 percent of their available revolving credit, 43 percent are carrying a balance every month—a practice which can easily add up to thousands of dollars in high-interest charges each year.
Cloud-Based Solutions for Your Finance and Accounting Needs
It’s a different day and age in the world of finance and accounting, and there are many companies that are here to help. BlackLine is one of them, providing cloud-based solution that are transforming the financing and accounting industry.
This is done via automating, centralizing and streamlining financial close operations, intercompany accounting processes and other processes for large and midsize organizations. It is designed to complement financial systems like SAP, Oracle and NetSuite.
Find Financial Opportunity With Opportunity Fund
Many small business owners struggle to find the money to grow their business, boost pay for their employees and become an even bigger asset to their community. Many even struggle to pay their bills each month, living in an endless paycheck-to-paycheck cycle. There’s a California-based organization called Opportunity Fund who’s mission is to invest in those without adequate financial resources in order to better their lives.
Turn Data Into Dollars With Automated Insights
In today’s data-driven environment, companies are sitting on a treasure trove of information. However, many are failing to turn that data into tangible benefits for their business, missing out on opportunities to boost revenue and profit. A North Carolina-based company called Automated Insights offers a solution to the data dilemma, promising to revolutionize business in the process.
RealScout: Powering Billions of Dollars in Real Estate Transactions
A home is more than just the biggest purchase most consumers ever make. It’s also a place they fill with memories, gather with family and friends, and a source of both psychological and physical safety. Though debt-to-income, interest rates, closing costs, and other financial factors must come into play once a property is chosen, the actual process of finding the right home is an emotionally stressful one for most consumers. Fortunately, real estate agents and brokers can alleviate that stress as well as many other potential distractions if they use RealScout.
Protect Your Trip and Your Wallet With Berkshire Hathaway Travel Protection
Going on vacation can be fun and relaxing, but it can also be expensive. What do you do something comes up that prevents you from taking your trip at the last minute? What if there’s a medical emergency, a significant flight delay or your luggage is lost? That’s where travel insurance can help protect travelers and the money they invest in their vacation.
Breathe Easier About Your Finances With oXYGen Financial
Managing your family finances is something that should be of the utmost importance. But with jobs, kids, mortgages and life in general getting in the way, financial discussions are often left on the back burner. Plus, many people in their 20s, 30s and even 40s ignore their finances and don’t start financial planning until it’s too late.
BiggerPockets Is Changing the Way the World Invests
Investing in real estate is different than it used to be when your grandfather did it. It’s even different than when your father did it.
BiggerPockets is helping to spur that change by altering the way the world invests. Founded in 2004, the company provides education, networking and various other tools for any individual interested in real estate investing. Currently, BiggerPockets boasts the largest real estate investing community.
Trim Review: Automate Your Financial Life and Save Money
You’ve probably wondered if you’re spending too much money for cable or car insurance or even that gym membership. Most of us want to know how we can trim our monthly expenses and keep more cash in our pockets. There’s a startup called Trim that is helping consumers uncover the hidden savings to be found in recurring bills and subscription services.
How One Organization Is Helping Improve the Nation’s Financial Literacy
Among all the subjects that are taught in U.S. elementary schools, personal finance is often overlooked. That trend started way back in the 1940s, when U.S. government officials determined that schools and teachers were poorly equipped to deal with the complexities of the post-war economic boom. One organization came together to face that challenge and change the way the U.S. views financial literacy from an educational perspective.
PandaDoc: Streamlining the Small Business Proposal Process
Time is money. It’s a basic fact every small business owner has to deal with on a daily basis. But landing a new client also takes time—though exactly how much is up to you. If you’d like to significantly improve your company’s proposal close rates while reducing your team’s busywork related to quoting projects, PandaDoc, a document automation SaaS provider, will help you streamline the process.
With Comodo’s cWatch, Small Businesses Can Keep Their Websites Squeaky Clean
Today’s internet is fraught with hazardous malware, or malicious software. It comes in many different forms. It may lurk within the code of infected websites where it waits for unsuspecting visitors to enter personal information. It might hijack otherwise innocuous online ads, redirecting consumers to phishing sites. Or it might tag along in downloads to further spread its disease.
Name.com: Everything You Need to Get Your Small Business Online
If you’re running a small business without a website—whether you provide a service or sell a physical product—you’re leaving potential clients and their revenue on the table. According to a survey of U.S. adults by Pew Research Center, nearly 80 percent of Americans have made a purchase online. If you’re not there for potential customers to find, then they’re making those purchases from one of the 71 percent of small businesses that are.
Veriato: Guarding Against Costly Insider Threats
Protecting a company’s most valuable assets and sensitive data from cyber threats is mission critical, no matter how big your business or bank account is. But consider this fact: not all cyberattacks are carried out by external actors. In fact, some of the most damaging and costly attacks can occur from the inside.
That means protection from the inside is just as important as protection from the outside. Veriato offers security services to protect a company’s assets from internal threats.
Get Peace of Mind with GTM Payroll Services
Hiring household help is not just for the wealthiest among us. Instead, it’s a fact of life for millions who are forced to hire nannies to watch their children, caregivers to look after elderly parents or even housekeepers to keep a house in order during a family’s busy life. But paying the household employees and keeping track of payroll receipts, tax forms, insurance coverage and more can be a cumbersome and confusing process. That’s where GTM Payroll Services steps in to help.
Next Insurance Offers Small Businesses Flexible and Affordable Options
Would you drive a car without insurance? Of course you wouldn’t. How about run a business without the protection of an insurance policy? If you’re like nearly half of the small businesses surveyed by Next Insurance earlier this year, the answer is yes.