Secured credit cards are a helpful tool for people with bad or limited credit. They also help finance day-to-day purchases while rebuilding the credit. Getting secured credit cards is easy as they have lenient approval requirements. The best secured credit cards also have low annual fees, and minimum deposits, and offer significant rewards on spending. Below is a list of some of the best secured credit cards and their features. Discover It Secured Credit Card Discover It is one of the best secured credit cards because it has no annual fee and, instead, offers 1 to 2% cashback on purchases. It requires a relatively low minimum refundable security deposit of at least $200, and an added feature of this card is the cash reward provided after 12 months from the registered period. Also, after a period of responsible use, automatic reviews determine if your card can transition to an unsecured card. Citi Secured Mastercard This card is ideal for beginners with limited or no credit and has no annual fee. The Citi Secured Mastercard requires a minimum security deposit of $200. Through its monthly reporting to all three major credit bureaus – Equifax, Experian, and TransUnion, the card helps you build your credit history.

Vanguard funds have been considered an ideal investment for retired investors. There are tons of funds for you to choose from, and every fund is different from the other. However, it is important to consider whether the fund is a good choice for investors as they reach the age of retirement. Most retirees are considered to be long-term investors, but it is ideal to begin with a short-term investment plan. Investors may choose from dividend funds, growth funds, or bond index funds. Every fund has some unique features and varied rates of returns. Some of the best Vanguard funds for your retirement portfolio have been listed below: Vanguard LifeStrategy Conservative Growth The allocation of assets in this fund is about 60 percent in debt and 40 percent in stocks. This means your fund will achieve a steady growth over a long period of time. It is ideal for low-risk investors and has generated more than 4 percent return over the long-term. Vanguard Wellesley Income This is a conservative portfolio where the allocation of the funds range between 60 percent bonds and 40 percent stocks. It has strongly beaten its competitors over the years and is one of the best Vanguard funds for a retirement portfolio.

Financial advisory is an art that connects intellectual thinking, strategy building and planning with money management. A financial advisor is an agency or an individual who can provide financial services associated with various financial aspects such as investment management, tax payment, asset management, etc. Financial advisors include financial planners, insurance agents, brokers, investors, lawyers, private bankers, accountants, etc. Here is a list of the best financial advisory services available in the country:  Vanguard The Vanguard Group, based in Pennsylvania, is a leading investment advisor in the United States. It is one of the most prominent financial advisor firms and has more than $7 trillion in global assets under management. Vanguard is famous for its low advisor fees and its huge variety of offerings. Their significant services include mutual funds, exchange-traded funds, brokerage services, financial planning, asset management, and trust services. The company provides its investors and customers unlimited access to financial advisors, low expense ratio on funds, solid investment selection plans, goal-based planning, etc.  Montag & Caldwell Montag & Caldwell, a financial advisory firm based in Atlanta, is among the best financial advisors ranked by CNBC. This firm’s total asset under management is expected to be more than $2.3 billion.

Prepaid debit cards are an excellent option for those with a tight budget. It is also an effective budgetary mechanism if you are worried about credit card debt. As the name suggests, prepaid debit cards can be used just like regular debit cards to make purchases. However, only the amount loaded can be spent. That’s why they are useful to curb excessive expenditure. If you have been looking for a prepaid debit card, there are some fantastic options. The market has been witnessing strong growth and is set for further rise.  The best prepaid debit cards of 2021 are:  American Express® Serve Free Reloads While many prepaid cards charge a small fee for reloads, the American Express® Serve Free Reloads card allows you to reload your card for free at 45,000 different outlets and your bank. The card, however, charges a monthly fee of $6.95, which cannot be waived off.  American Express® Serve Cash Back You can earn 1% unlimited cash back on your purchases, and it will be credited to your Serve account. There is a network of 30,000 ATMs that you have access to. You can also reload your card for free if done through a bank transfer or direct bank deposit.

Having a poor credit score may affect you in several ways. Most banks and non-banking financial institutions consider your credit score before making a lending decision. However, if you have a bad credit, you may still apply for a bad credit car finance for the purchase of a new or a used car and manage to save yourself from high-interest loans. Here are the four best car financing options you may consider if you have a bad credit history. Auto Credit Express® Auto Credit Express® helps individuals with a bad credit get a loan for a brand-new car or a used car. They have built a network of car dealers that make it easier for you to find a dealer. This will save you the hassle of visiting several dealerships and running credit report inquiries with each of them. Auto Credit USA You may apply for a bad credit car finance with Auto Credit USA as they will help you receive financing irrespective of your credit score. This, in turn, will help improve your overall credit score. The company strives to make it easier for you to purchase the car of your dreams by offering low payment terms. With low interest rates, you may figure out a way to make your regular monthly payments that fit your budget.

If one is unemployed, even for a particular amount of time, managing finances can prove to be a daunting task. It not only gets challenging to make the existing funds last for a long duration but it is also difficult to obtain credit card approvals. However, not all hope is lost. There are some ways in which an unemployed member of the society can apply for a loan. Why is it difficult for the unemployed to get a loan? When it comes to credit cards and loans, the lender needs to be sure that you are capable of paying back the money. Lenders cannot stand a chance to lose the money they intend to lend. While traditional lenders scrutinize your eligibility parameters very carefully, other lenders may give you money without checking your credit score, just on the basis of your income. They need to know that you have a steady source of income which ensures that they will get their money back. In case there is an absence of both, you would not be able to get a loan. Even if you do, you may not be able to trust the reliability of the lender. However, there are a few options for availing of loans for the unemployed as well.

A credit card is an important financial tool. Living life without a credit card is difficult in today’s time. If used wisely, credit cards can prove to be a boon for you. However, before finalizing on a credit card, it is of utmost importance for you to know to analyze the rewards, benefits, and spending limit offered by various credit card companies in the country. A proper analysis will give you a clear picture about which credit card you should opt for. Best credit cards of 2020 Choosing the right credit card could sometimes be tricky and cumbersome. In order to help you do the same, we have compiled a list of the best credit cards of 2020 as listed below: HSBC Cash Rewards HSBC Cash Rewards is touted as one of the best credit cards of 2020 for various reasons. Offered by MasterCard, this credit card offers a plethora of benefits. This card offers the benefit of zero transaction fees on foreign transactions and annual fees. It also offers cash rewards of 1.5% on every $1 spent during the intro period. Also gives you a chance to earn 3% cash back for all purchases in the first twelve months , upto a maximum total expenditure of $10,000.

A cashback credit card can yield great earnings if chosen and managed in the right manner. It gives one the opportunity to earn rewards in the simplest way, thereby being extremely remunerative. A cardholder has a clear understanding of the earnings that come with a purchase devoid of the need to decode the same, thereby making it a great deal. While some cashback credit cards offer a flat return rate with a purchase, there are some companies that render bonuses depending upon where the purchase is made. The slew of cashback credit cards on the market can leave one overwhelmed, thus, determining the best deal can be a task. From rewards in the form of one-time rewards to half-yearly bonuses, one can get derailed over making the right choice. Several factors such as the ease of use, the returns over a period of time, annual fee, additional perks and the potential downsides must be closely weighed. If you are on the lookout for the best cashback credit cards of 2018, here are some great options that can facilitate your lifestyle. Chase Freedom Unlimited® Credit Card The Chase Freedom Unlimited® is one of the best credit cards of 2018. It packs with it rewards that brilliantly beat out the competition.

Investing in health insurance is very important for individuals of any age. A health insurance policy is like an umbrella on a rainy day. It will keep you safe from the increasing medical expenses and the cost of hospitalization in case of an illness. Different health insurance plans operate differently and it is best to understand their features and costs before investing in one. An increasing number of insurers are constantly competing for your business. However, there are small rural areas where there is a single insurer who dominates the business. With a lot of companies offering different insurance plans, you are lucky enough to have the chance to choose the one that fits your needs. Compare the 10 best health insurance plans available in your region and pick the one that fits your requirements perfectly. Most recommended health insurance companies in the US regions that offer good plans The best insurance providers in the country offer different plans at varying costs and provide a comprehensive cover. The top-rated insurance providers are listed below. Kaiser Foundation It is based in California and offers private health insurance for individuals and families. They have a special enrollment period during which you are eligible to apply.

Popularly known as over-the-counter stocks, penny stocks often trade at a rate of $5 or less per share. They are stocks of companies that have low share prices. These are preferred by beginners who have just stepped into the investing world since they are quite reasonably priced. Following are the top 5 penny stocks for 2018: Enphase Energy, Inc. This company is based in California and works with software-driven home energy and solar generation. This particular stock fell majorly in 2015 and has risen considerably in 2018. The lowest recorded rate for this stock was 25 cents in May 2017, but experts suggest that the latter part of the year 2018 would be very profitable for investors who buy large volumes of this stock. AK Steel Holding Corporation The general notion that people have for a steel company is that it is very stable. However, the steel industry is very volatile. The AK Steel Holding Corporation’s stock price has always been quite low, but it is one of the top 5 penny stocks for 2018 because of the potential its growth shows. The new policies implemented by US President Donald Trump are the reason why experts think that this stock might, after all, be worth buying for amateur investors.

A certificate of deposit (CD) is a time deposit that is quite similar to a savings account. It helps you earn interest and carries minimal risk. CDs are available in various denominations and have a fixed maturity period and a fixed interest rate. It is best to compare the CD rates before you decide to choose a particular bank. Given below are the 10 best CD rates of 2018. Marcus by Goldman Sachs® Marcus by Goldman Sachs® is an online portal that handles several banking products. It has a one-year CD, which earns an annual percentage yield (APY) of 2.55% and a five-year CD which gives an APY of 3.10%. The minimum deposit required is $500. Citizens Access This is an online-only service by Citizens Bank. It offers a one-year CD at an APY of 2.50% and a five-year CD at 3.10% with a deposit of at least $5,000. Capital One 360 For a one-year CD, Capital One offers an APY of 2.50% and for a five-year CD, it gives an APY of 3%. The biggest advantage of it is that it has no minimum deposit requirement. Synchrony Bank This is an online bank that has a one-year CD with an APY of 2.45% and a five-year option at 3%.