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[…]leads to numerous benefits across all areas of your life. In this article, we will explore how adopting a holistic approach can significantly enhance your financial health. Strategic Spending Strategic spending involves more than just managing your expenses; it’s about ensuring your financial outflows reflect your deepest values and long-term goals. Prioritize expenditures that foster personal growth and contribute to your happiness, steering clear of short-lived pleasures in favor of more meaningful investments. This alignment between your spending and your values paves the way for a more satisfying and purposeful financial life. Emotional Mastery in Financial Decisions Emotions play a […]
[…]funds or payment information. However, they are promising to repay the loan if you are unable to do so. If you don’t make payments, both of your credit scores could suffer. 3. Shop Around Whether you’re buying a new home, applying for a credit card, or looking for a personal loan, you want to make sure you’re getting the best deal. When it comes to personal loans with bad credit, make sure you do some research. Not all lenders are the same, and some may offer you much better terms and conditions. Take some time to compare several different lenders […]
[…]cash in hand. Take note that most car title loans come with extremely high-interest rates. If you don’t repay your title loan on time, the lender can repossess your vehicle. While these types of loans aren’t used to buy new vehicles, consumers should know that using them could put your current car at risk. It’s best to stick to a personal loan if you need extra cash, even if it’s not for a new vehicle. Title loans can be expensive and can also put your vehicle at risk for repossession. What do You Need for a Personal Auto Loan? When […]
[…]be avoided if you can help it. You want to be able to drop out of the service if you find it doesn’t fit your business model. Most services charge on a month-to-month basis and don’t require businesses to sign a contract. If a business owner decides to no longer use the service, they can cancel their account with no repercussions. Some services will allow for cancelations but charge a termination fee. You’ll need to find out where a service stands before you commit. Customer Support For some businesses, live 24/7 support may be overkill. For others, it’s a necessity. […]
[…]Financial Merchant Services. GET STARTED Does your business run off a subscription-based model? Do you take in a large influx of expensive transactions? You might be classified as a high-risk merchant. Being a high-risk business isn’t the end of the world, but it will make it more difficult to find payment processing options. This is especially true if you have a low personal credit score. Many account providers will turn you down due to fear of chargebacks and other negative reproductions. Your business model is only one factor that will deter account providers. Check out this guide to learn for […]
[…]a line of credit that allows cardholders to make purchases and pay them off later. While it doesn’t offer rewards or cash back, it helps build or maintain credit and handle unexpected expenses. Paying off the balance each month is essential to get the most from a standard credit card. That’s how you’ll avoid interest charges and keep credit use low. Rewards Credit Card You can earn points or miles for every dollar you spend with a rewards credit card. You can redeem these points for merchandise, travel, gift cards, or cash. Many rewards cards offer bonus points in specific […]
[…]advance loans. When requesting a loan from a bank or credit card issuer, they’ll want to do a credit check. Not only will this affect your credit score, but they’ll expect your score to be a certain level. If it’s not high enough, they won’t approve your loan. If you already have a low credit score, the last thing you need is to lower it further. Cash advance loans are less stringent, so they’re far more accessible to most people, and applying for one doesn’t harm your credit score. Low Requirements On top of your credit score, traditional lenders will […]
[…]encounters with excessive chargebacks. These fees can range from $20 to even $100 each. What Can I Do as a High-Risk Merchant? Don’t get discouraged if you’re considered a high-risk merchant. There are many things you can do to keep your business in good standing. Lower Your Chargebacks Many e-commerce businesses deal with a lot of chargebacks. This is especially true if you sell clothing or shoes. Make sure your product description matches what you’re selling. Include a detailed size chart to ensure your customers purchase the right size. Reduce your chargebacks so you can lower the related fees. Get […]
[…]to think about putting money aside before then. If you plan with your own money, you have more freedom over traveling expenses, household items, and making memories with loved ones. For people with younger family members, the responsibility of covering expenses will go to them if you don’t have adequate retirement funds. The best investment for retirement will vary from person to person. It’s important to consider your priorities and what you want in retirement. Then, you can assess the options and find a solution that works for you. How To Start Investing in Retirement It’s never too late to […]
[…]and try to get the best interest rates for your payday loan. Keep reading to find out how you can do this. Don’t Dismiss Online Lenders Too many folks are a bit wary of getting payday loans from online vendors since they worry about unscrupulous lenders who are just out to scam unsuspecting people. But this could result in you dismissing the best payday loaners that are only available online. If you only focus on the payday loaners who are situated around you in your neighborhood or city, then you could be doing yourself a disservice by not finding the […]
[…]Leverage the Benefits and Rewards of Credit Cards as a Student There are many things you need to do to get started with leveraging the benefits and rewards of a credit card. You first have to be educated on how to do so. Read on to learn more about this before you make the purchase! Choose the Right Card The first thing you need to do is choose a credit card that is right for you and your lifestyle! For instance, getting rewards for entertainment or gas may be more beneficial for a student than let’s say, a travel credit […]
[…]to enter into the process with a good credit score – this can save you thousands of dollars over the lifetime of your loan. In the lead-up to your application, you can boost your score by paying down debts, increasing your credit limits, disputing errors, and more. For most of us, buying a house is amongst the biggest investments we’ll make in our lifetime. Regardless of if it’s your first time, it’s important to enter into the process armed with the right information and a few handy hacks to boot, whether that pertains to investing in a home warranty or […]
[…]of the green-building industry. You also need to think about marketing — what kind of messaging do you want to put out there? Utilize digital marketing channels like social media, email campaigns, and SEO optimization so that potential customers can find your website easily on search engines like Google or Bing. Finding Staff and Registering Your Business To grow your green-building business, you will need reliable staff with experience. Peoplein the construction industry who share your values when it comes to sustainability and eco-friendly practices. This could mean hiring full-time employees or working with contractors on specific projects. it all […]
[…]based on your unique needs. The best strategy for you is the one that gets your balances paid down the fastest. Do a Balance Transfer Another idea to consider is a balance transfer. Many credit card companies allow you to transfer all your outstanding credit card debts to a single account. Often, balance transfers also come with a preliminary grace period where you don’t have to pay any interest on your balance. However, you may have to pay a fee on the balance you transfer. So, this solution may not be best for people with significant credit card debt. Looking […]
[…]and fixed APR typically applies to loan rates. A fixed APR loan has an interest rate that does not change over time. Variable APR loans have interest rates that do change throughout your loan term. The APR on a variable-rate loan depends on the prime rate in the US. The Prime rate is the benchmark lenders use to set interest rates on credit cards and loans. The US prime rate is based on the Federal Reserve’s funds rate. The prime rate is 7.75% as of this writing. To see how much variable interest rates can fluctuate, consider the prime rate this time […]
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[…]at different price points, depending on what kind of degree you want to pursue. Education can open doors for career advancement. Practical Savings Tips You Need Today Saving money doesn’t have to be complicated — it simply requires discipline. Here are some tips to try: Set up automatic transfers into savings accounts each month so that saving becomes second nature. Try using cash envelopes where only specific amounts of cash can be spent on certain items. Create budgets detailing exactly where every dollar should go. Use apps to track your spending habits. Changing your mindset about money takes time, but […]
[…]to be clear, but it pays to know about it before investing. And that’s what we aim to do in this video. Our video shares five things you need to know about setting up and using a Bitcoin savings account. From its volatility and returns to diversification and more, our video offers a great starting point if you’ve considered exploring cryptocurrency as a way to build your savings. Want more details and insights about crypto, savings, and more? Check out some of our other videos, or drop on by our site! Learn more at: https://www.firstfinancial.com/bitcoin-savings-account/ Disclaimer: First Financial does not […]
[…]after disappointment with these techniques. Now you’re looking for something that doesn’t overstate its potential but delivers consistent, reliable results. What you’re looking for is dollar cost averaging or DCA. When you DCA bitcoin, you gain valuable benefits both financially and otherwise. In our video, we provide an overview of DCA Bitcoin and the benefit it brings when you explore this approach. From aiming to create sustainable growth in your crypto portfolio to help you reduce risks, a DCA Bitcoin approach is for those wanting to see results while not buying into the hype. For more info on a DCA […]
[…]why so many people prefer to incur capital losses during market dips. If the tax year ends and you do not have any capital gains or income to offset, that does not mean that your capital losses are wasted. You can come back to them in the future to lower your tax liability. The Bitcoin Tax Bill Timeline This tax savings strategy may not always be available in the same way. Currently, you can sell an investment and then buy it right back again after decreasing your tax liability. However, this is not legal when it comes to securities. Some […]
[…]the public and open ledger at any time. Private Bitcoin and cryptocurrency transactions are pseudonymous. This means that while you can see the transaction on the blockchain, no one will know any data pointing back to you. Bitcoin and Beyond If your company offers a Bitcoin Employee Benefit Plan, you ought to sign up for it. As you can see, there any many Bitcoin benefits to discover. Once you accumulate a decent amount of bitcoin, what can you do next with it? When the value is high, you could cash out and take out a loan. Here at First Financial, we […]
Bitcoin DCA- Dollar Cost […]
[…]metals, you can invest in Bitcoin along with stocks and bonds. If you’re new to crypto or don’t currently own a lot of crypto, an IRA can be a good way to get started with crypto while simultaneously planning for your future retirement. You can buy and hold your crypto investments until you’re ready to retire. Some digital currencies have the potential for a high return. Bitcoin is one of them. There’s no guarantee it will continue to rise in price, but with a limited number of minable coins (21 million), there’s a built-in scarcity. Cons of a Bitcoin IRA […]
Bitcoin DCA- Dollar Cost […]
Dollar Cost […]
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[…]after disappointment with these techniques. Now you’re looking for something that doesn’t overstate its potential but delivers consistent, reliable results. What you’re looking for is dollar cost averaging or DCA. When you DCA bitcoin, you gain valuable benefits both financially and otherwise. In our video, we provide an overview of DCA Bitcoin and the benefit it brings when you explore this approach. From aiming to create sustainable growth in your crypto portfolio to help you reduce risks, a DCA Bitcoin approach is for those wanting to see results while not buying into the hype. For more info on a DCA […]
[…]to be clear, but it pays to know about it before investing. And that’s what we aim to do in this video. Our video shares five things you need to know about setting up and using a Bitcoin savings account. From its volatility and returns to diversification and more, our video offers a great starting point if you’ve considered exploring cryptocurrency as a way to build your savings. Want more details and insights about crypto, savings, and more? Check out some of our other videos, or drop on by our […]
[…]As such, you might have to go with a high risk account instead. Those Who Receive Many Chargebacks Does your company sell a product that results in a lot of chargebacks? If so, you might have to get a high risk merchant account as opposed to a standard account. This is because chargebacks can make it difficult for merchant service providers to financially justify providing their services to you. Those Who Offer Subscription Payments Do you sell subscriptions? If so, there’s a decent chance that you’ll need to use high risk merchant services as opposed to standard. Subscriptions leave a high […]
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[…]programs, however, are legal anywhere in the United States. With a cash discount program, the vendor adjusts the price of each product or service to account for the cost of processing fees. When a customer pays cash, the vendor applies the discount at checkout. Because the customer never pays more than the advertised price (except with regard to taxes), there are no legal issues. Save on Credit Card Processing A cash discount program is one of many tools available to help you save money and make your business more profitable. Unlike a surcharge, customers don’t pay an added fee when they […]
[…]a successful business requires some planning, it’s possible. Do the research first Before you do anything else, take time to do some research on the local market to see if there’s a need for a product or service that is not being met. When you know know what products and services you want to offer, find out if others are already filling this niche. As there seems to be a place for your business, then go ahead and create a budget and a business plan. If your business will have a brick-and-mortar presence, find a good location. Set up a […]
[…]for organizations you’re interested in. Once you have a better idea of what you want to do, research different companies and look for job openings that match your skills and interests. Don’t be afraid to apply for jobs slightly out of your comfort zone – you never know what you might end up loving. The most important thing is to stay positive and keep exploring until you find your perfect career. Ready to get started on making that moola with a side gig? Whether you’ve been laid off or just looking to supplement your income, remember that there are so […]
[…]Even your physical health is involved. DCA can reduce the likelihood of your heading down the path of addiction because it doesn’t matter what the market is doing at three in the morning, during your best friend’s wedding, or during your grandfather’s funeral service. Your Investments are on a set schedule, leaving you free to focus on the more important moments of life. 7. It Gives You Time to Work on the Rest of Your Portfolio Even the most hardcore bitcoin investor will likely have a well-rounded portfolio that includes other assets. However, spending all day every day concentrating on […]
[…]guide, we’ll discuss the 5 things to keep in mind before making a Bitcoin Savings Plan. How does DCA (dollar cost averaging) work with Bitcoin? You will get $ 10 of Bitcoin when you sign up. Get Started Today! Video: Bitcoin Savings Account: 5 Important Things to Know What Is Bitcoin? Bitcoin is a type of cryptocurrency. Cryptocurrency uses modern cryptographic technology to validate transactions on a blockchain ledger. To put that in simpler terms, it’s an open-source currency that anyone can use anywhere without middlemen or government intervention. Cryptocurrency has the following benefits: Decentralization: governments and banks cannot sway the usage or value […]
[…]consolidation is when you combine all your debt into one loan, usually a personal one. Not only does this cut down on stress since you only have 1 monthly payment as opposed to multiple, but it also cuts down costs. When you transfer all debts to one loan, you typically end up with an overall lower interest rate to pay. Do note that while this doesn’t eliminate your debt, it does make it easier to manage. Make Sure You Pay Back Your Loans on Time So what happens if you don’t pay back a loan? Several things can occur, and they can […]
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[…]Apply in Person or Online You can apply for payday loans at a brick-and-mortar lender. But if you don’t want to leave the comfort of your house, this is possible too. There are lots of online lenders you can browse without wasting time or gas. And once you find one you like, you can apply for online payday loans right on your computer. The Application Process Is Fast The application isn’t long and complicated, so you don’t need to spend much time filling it out. More importantly, it won’t take long for the lender to get back to you. In most […]
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[…]ones you can do without. For example, review your auto insurance plan and remove the coverage you don’t need. Avoid Debt Pitfalls If you have existing debt, focus on paying that before taking on additional debt. Factor it into your budget to make sure you don’t accumulate interest. If possible, avoid high-interest loans and credit cards to minimize the chances of getting into debt. Find a Job or Start a Business Ex-military members have talents and skills that are highly valued in most workplaces. Finding a job in San Diego can help you complement your income. Sometimes, it can be […]
[…]proactively. Budget Despite the difficulty California households face in recessions, many don’t create budgets. Using a spreadsheet or another type of document to manage a monthly budget creates accountability and also enables you to see where your money is going in a thorough way. Having a budget on paper forces you to be accountable and empowers you to plan your spending better, avoiding wastefulness. Deal With Debt Even in a recession, it’s important not to let your debt get out of control. Paying down high-interest debt is advantageous in the long run. Otherwise, it just compounds and becomes more difficult […]
Getting Through an Economic […]
[…]of credit, making payments on time positively affects your credit score. But, since payday loans don’t use credit, they don’t help build your credit either. In contrast, it can negatively affect your credit if you cannot pay your payday loan. Finding Reputable Lender Online It is essential that when you are looking for cash advance loans online, you look for a reputable lender. Most online payday lenders will forgo reporting to the three major credit bureaus: Equifax, Experian, or TransUnion. They also won’t ask you to pay something first to receive the funds. Checking for reviews before selecting a lender can help avoid […]
[…]credit card debt, you give yourself more financial breathing room. Debt can stop you from doing the things you enjoy, like taking a vacation or buying an item you want. You should know that it is possible to eliminate your credit card debt and become debt free. You just have to take things one step at a time. If you do a balance transfer, get a personal loan, or use a HELOC, learning more about these options can help your financial future. If you are ready to start on your path to consolidating credit card debt choose a company that […]
[…]funds, there are financial assistance options that could help you make up the difference for your down payment. There are typically three different down payment assistance possibilities: tax credits, loans, and grants. Whether you’re eligible for these programs depends on your career and income, your location, and the type and cost of the house you want to purchase. Master the Keys to Good Budgeting Early On Having strong budgeting abilities is the key to healthy financial management. Learn how to make your own budget early on. Master skills such as: Paying the bills on time Tracking your spending Eliminating unnecessary […]
[…]terms as short as 24 months, while others may extend the term up to 84 months. How Much Should My Down Payment Be? The size of your down payment will vary depending on the amount you’re looking to borrow and the terms of your loan. However, most lenders will require a down payment of at least 10%. If you have bad credit, you may be required to put down 20% or more. If you have stellar credit, you may be able to put down less than 10%. Choosing Auto Loan Providers Doesn’t Have to Be Complicated Although choosing auto loan providers […]
[…]borrowing power. Avoid making this mistake by taking out only the amount you need, not more. Don’t let predatory lenders convince you to take more. Assuming You’ll Be Approved A pre-approval does not necessarily mean you will be approved for the actual loan. This can cause a lot of problems if you move forward and begin spending money before you’ve actually been fully approved for the loan. Pre-approval doesn’t include all of the details in your credit report that will be found during the actual loan application process. If something unexpected comes up and your application is denied you can […]
[…]days, even weeks. At First Financial, you can apply to several lenders on just one website! What do you do with my information? Do you keep my information? Ultimately, only your lender has your personal information. All financial services, including First Financial and our lenders, protect clients with 256-bit, “banking-level” security. Both online lenders and traditional banks must use 256-bit encryption. This high-level protection is the strongest permitted by the U.S. Treasury Department. What if I don’t have my employer’s phone number and address? Most lenders require you to provide your employer’s name and business phone number before they offer […]
[…]for a high-risk merchant account? Our customer service representatives can go through all the documentation we’ll need. For now, get the following documents found and kept in one place: Business license A voided check or a bank letter indicating you are in good standing. We can’t accept starter checks. Copy of owner’s driver’s license or passport. Three to six months of business bank statements. Proof of website domain ownership. Screenshots are sufficient. Business marketing materials. List of products and services with pricing. Written overview of business. Resellers must provide any supplier agreements. Those with a current merchant services provider need […]
[…]work with low credit scores or bad credit when applying for a credit card? Yes. First Financial does not require perfect credit for approval. How long does it take to get approved for a credit card? Complete our easy online application and get a response in as little as 5 minutes. Its smart to get your credit card questions answered before applying for a credit card. How do I apply for a credit card? https://www.firstfinancial.com/credit-cards/ Does a credit card from First Financial report to the credit agencies? Yes. What happens if I lose my card? Call Visa Global Customer Assistance […]
