No credit card offers you a lifetime of zero interest. While the APR (Annual Percentage Rate) may vary, it is not negligible for a lifetime. However, if you are looking for a credit card with no interest rates, doing your research well will be beneficial. The following are some of the best credit cards available in the market with no interest rate for the most extended duration possible: Discover It® Cash Back Apart from earning 5% cash back every quarter on eligible purchases, you also get to enjoy a 0% APR for 14 months. This rate is also available on balance transfers making Discover It® one of the best credit cards with no interest rate. Chase Freedom Unlimited® You can save up with this card by paying no annual fee. It offers you with a 0% APR for a duration of around 15 months, and also a 1.5% cash back on all eligible purchases. The most prominent advantage of this card is that your rewards do not expire as long as your account is active. Wells Fargo Platinum Visa® Card This card by Wells Fargo is one of the best credit cards with no interest rate for a duration of around 18 months, which is longer than what most credit card providers offer.

We all know that oil companies are significant to the growth and development of the worldwide economy. It is because they supply the fuel utilized for power and transportation. Oil companies also deliver and supply the required materials for the petrochemical industry. That said, the oil industry is highly volatile and competitive. So, making a decision about stock investments could be challenging. Let us explore five popular oil stocks to invest in.  Occidental Petroleum Corporation (OXY) Many people have added this oil stock to their portfolios. Occidental has been doing well for a while now, queuing itself for future profitability. The company has achieved a record-free cash flow. It has been continuously improving and witnessing high-profile interest from investors like Warren Buffet. Buffet’s company, Berkshire Hathaway, holds a 19.2% stake in Occidental. The corporation also offers investors a 0.93% dividend and has a reasonable $1.91 billion on its balance sheet. So, this may be considered the oil stock to invest in, as it is backed by experts. Exxon Mobil Corporation (XOM) If we calculate the total revenue, Exxon is one of the largest oil and gas companies in the country. It also reported its highest quarterly profit, which was $8.87 billion in net income.

If you are planning to purchase a United Healthcare plan in near future, you might be curious about the same. You need to fully understand its features and how the plan works. You may choose to pay for your plan through three different methods. One is an auto deduction from the Social Security account; second is an automated electronics fund transfer from your bank account, and lastly, you may write a check and mail it in addition to the payment form. How does the plan help you save money? You may save money through a United Healthcare plan as you might be considered eligible for a zero copayment on low-tier prescription drugs in case you order a 90-day supply of the medication. You will have to look up the list of drugs covered in the plan in order to ensure that you are ordering the right ones. The list may change from time to time, but you will be notified about the same. United Healthcare also offers a home delivery where you may register online or call the toll-free number and ask for doorstep delivery. What if your medication is not covered by the plan? This is a question a lot of you might have.

2017 passed with some of the best mortgage lenders bringing in a lot of business and helping many Americans realize their dream of owning a home. With their trusted reputation and quick processes, here is a list of the best mortgage lenders of 2017: Quicken Loans Quicken Loans has surpassed the performance of all other competitors and was touted as the top choice among the best mortgage lenders of 2017. It is a Detroit-based operation and left behind about 30,000 lenders in the list. The most significant factor that worked in the advantage of Quicken Loans is that they shifted their working from a traditional office set up to an online portal, making it quite a favorite for borrowers looking for mortgages at the touch of a click. Wells Fargo By the end of the fourth quarter of 2017, Wells Fargo recovered from the losses that it suffered due to the reputation debacle in the year 2016. It reported a whopping growth of $1.7 billion as compared to the third quarter with a total revenue of $23 billion in the entire year. Even though they were overtaken by Quicken Loans which reported a revenue of $25 billion, the San Francisco-based company still managed to stay at the second position in the list of best mortgage lenders of 2017.

There are various types of insurance schemes for the common man. They each have their advantages and disadvantages. What works for you can be chosen only after a detailed study and thorough understanding of all the finer details of each policy. Let us compare term life insurance and universal life insurance policies. Term life insurance is a basic insurance that is valid, as the name suggests, only for a specified period. And, if the insured person is alive at the time the policy period ends, then he or the beneficiaries of the insurance coverage are not compensated in any way. The insurance premiums paid thus far are rendered useless. Although the universal life insurance is more expensive than the term life insurance, the security of getting a certain payout at the end of the duration of this policy is satisfying, unlike in a term life insurance. However, universal life insurance, or permanent insurance as it is otherwise called, combines death benefits with a savings factor that can be reinvested or cashed at any time and, additionally this is also tax-free. But policy holders are penalized for pre-closing the universal life insurance earlier than its fixed term. Irrelevant for those who want to insure themselves against unforeseen accidents or mishaps, term life insurance is in contradiction, a good alternative for those who know for sure that their life is nearing an end because of a serious illness or health condition.

Five-year certificates of deposit (CDs) will most often be the longest term of a CD offered by the banks. The banks will offer the highest possible rates, but this will only be in return for a long-term commitment on the part of the customer. A 5-year CD is popular as it allows the depositors to lock in a large sum of money at a high interest rate for a long period of time. 5-year CDs are preferred by depositors looking to gain a high yield and take advantage of the high interest rates. The interest rates, however, are still making their way to a higher amount after their significant drop due to the recession. Following are some of the institutions offering the best 5-year CD rates. CommunityWide Federal Credit Union CommunityWide is one of the oldest credit unions, being established in 1967. The credit union held assets worth $410.9 million as of 31 st December 2017. It has a large working team of around 77 full-time employees and hold leases and loans worth $362.6 million. They have 47,332 members that currently hold a massive $281.3 million in shares with the credit union. This credit union has had a good response from their customers and holds a good rating for the safety and soundness.

A reverse mortgage for seniors is a type of loan that facilitates the conversion of equity into cash. With certain rules and regulations, seniors who are above 62 may continue to be the owners of the house while getting cash for a purpose such as home furnishing. It’s the best way to get some returns on your lifelong investment of a home. Unlike a conventional mortgage, a reverse mortgage offers you cash month on month as far as you comply with the rules. However, to get the best rates, you should use a reverse mortgage calculator. While you may only find the exact amount once you finalize the lender and the different terms and conditions, you may find out an estimate of the reverse mortgage through the calculator on the National Reverse Mortgage Lenders Association. The reverse mortgage calculator consists of the following constituents: Your details To get the best reverse mortgages rates for seniors, you are required to feed in some important details about yourself. The first criterion is the zip code since the reverse mortgage rates for seniors differ from region to region. Additionally, the birth details of the co-owner or your spouse need to be entered too.

A mortgage estimation may get more complicated than a fixed monthly payment. It is crucial for the homeowner to understand two things while calculating their mortgage—how much interest they would end up paying and whether the monthly payments are affordable. A mortgage calculator precisely helps you to evaluate how much money is going to go out of your pocket on a monthly basis by taking into consideration the following factors: Price of the home The most critical constituent of a mortgage calculator is the amount you are paying for the purchase of the house. After fixing an amount for a down payment, a mortgage takes care of the rest of the balance. Down payment amount Depending upon how good your credit is, you will get a good deal on not only the rate of interest but also the down payment that you need to make. You need to pay the initial amount in the form of a down payment, which is decided by the lender. The amount after this is the mortgage amount, and the lender bears that during the purchase of the house. Term of mortgage It is easy for a mortgage calculator to give a fixed amount that you need to pay once you select a fixed-year mortgage.

Most people opt for Original Medicare, which is Part A and Part B. However, the Original Medicare plan tends to leave a gap in your coverage, and therefore, you may have to deal with many out-of-pocket costs. That’s when the best Medicare Supplement plans come in handy. These supplement plans help to fill in the gap between the Original Medicare coverage and the actual cost incurred. In order to choose the best Medicare Supplement plans, you need to know how to choose the right plan among the variety that is available. As the best Medicare plan will vary from person to person, below are some key factors that will help you to choose from the best Medicare Supplement plans. Know your options A Medicare Supplement plan is also known as Medigap. These plans are sold through private insurance companies. The purpose of the Medicare Supplement plans is to help fill the gap that is left after the Original Medicare benefits are applied. One in four people on Medicare choose a Medigap plan that helps them with their healthcare costs. There are 11 types of Medicare Supplement plans, which include Plan A, B, C, D, E, F, F+, G, K, L, M, and N.

“Retirement is a time for personal growth, which becomes a path to a greater personal freedom.” Your retirement is often the perfect time to delve into your hobbies and passions that took a sideline since you were engrossed in ensuring that you and your family lead a comfortable life. You would be taking a great risk if you didn’t start planning for your retirement while you are still working, and this retirement planning involves investing in the right places which will yield desirable output at the right time. Simply relying on your Social Security would threaten your peace of mind, and you would be left high and dry in case of emergencies. So, how does one lead an ideal retirement life? In addition to opting for retirement plans that your employer provides, such as 401(K) plans, it is imperative that you invest in the right, interest-yielding places. When you think interest, you think stocks. However, people harbor this misconception that stocks are foolproof, but the recent stock market crashes have proven that stocks can be perilous as well. In such cases, bonds are what seem like the ideal choice. There are a plethora of reasons why people opt to invest in bonds; bonds provide stability, pay interest regularly, are highly secure, and are a source of tax-free income.

With advancements in technology, the ability to do anything online and from the comfort of the home is priceless. It is now possible to manage all your banking tasks online. You no longer need to visit the bank time and again for opening an account or making a transfer. Once the account is opened, you may complete all the transactions with just a few clicks. Don’t know how to open an account online? Read on to gather the required information. Opening a bank account online Bank accounts may be easily opened and managed online. To open an account, you need to provide your personal information to the bank so as to establish your identity. Before you start the process of opening the account online, gather information including your Social Security Number (SSN), your date of birth, and your Tax ID number. You will also be required to provide any government-issued identity proof. Furthermore, you need to provide your contact information and funding information, which will let the bank know as to how you plan to add funds to your account. Once you open the account online, deposit some money to activate the account as banks might ask for an initial amount.