You might get into a phase of life where you are in a financial lurch but you need money fast. It could be for some wedding expenses, to clear an outstanding debt or some unforeseen medical expense. Whatever may be the cause, you have several options in order to get some money fast. You can either opt for getting a title loan from a bank, you could potentially borrow money from a friend or relative or you could think about getting a title loan with no credit check. The most important factor that separates a title loan from any other kind of loan is that with a title loan you need to place your vehicle as collateral. When you find yourself in a financial spot, title loans are the best alternative that is available to you. Lenders also benefit from title loans as they get to keep your car title loan as a security measure and hence afford to give you a loan with a much lower interest rate than other fast cash options. In most cases however lenders are required to do a credit check before they can offer you a title loan. If your credit is bad, you will face problems getting a loan as lenders do not want to offer loans to people with bad credit scores.

The most common dilemma for applying a credit card online is the issue of security. When stepping into a bank and applying for a credit card physically, you are sure that your personal details including bank account information are safe. Today banks have secure networks for carrying out any bank transactions including credit card applications. Instead of walking into a physical bank and picking a card that the bank offers, one can browse through multiple bank channels and pick the desired credit card based on your needs with ease of use. While applying for a credit card online, it is wise to check up the authenticity of the website of using a third-party source for looking up on credit cards. There are some critical questions to ask yourself before signing up for a credit card in order to pick the most feasible one for your needs: What is the purpose of the card? What transactions do you wish to take care of with the credit card? Are you getting a credit card to work up your credit score or amend your bad credit? What is the self-spending limit that you wish to set on the credit card? How do you propose to handle the monthly payments?

We have all been there. We all have suffered this. I am talking about falling behind our payments for credit cards. Credit Cards are a never-ending cycle which helps us cover shortfalls during our month end. However, there are times when your expenses are much higher than the income generated. During these times, you tend to spend more with the credit cards and falling behind our payments with mounting interests. If that is your case, then there are options for you in terms of debit cards. Debit cards are similar in looks to the credit card. The card issuer instead of giving you a credit would debit the amount spent directly on your account. This will help you control your expenses and sticking to the basic requirements without falling into the credit card debt. This would give you a peace of mind while purchasing knowing about the balance. Debit Cards can be used anywhere like credit cards. It can also be used for online purchases, book overseas ticket or travel expenses, however, it allows you only to spend what is in the account. When your balance is zero, then you won’t be able to buy anymore. While allowing you to spend only what is in the account, debit cards do not charge interest on your cards.

This concept essentially is a kind of debt refinancing, which means to avail one loan to pay off many others. Now you can pay your debts off easily by these three companies that will help you to be burden free. The research is based on three categories; one is public satisfaction rating, second is the debt solution offered to clients and the last one is the fees charged to the customers: National Debt Relief: This company has a 5-star rating for its overall performance. Being their client if you are with $7,500 debts or more, you will be analyzed based on your credit and financial conditions. Hence you will get an affordable debt payment plan. So it gets a high score in client satisfaction. CuraDebt: this company has 4.5 stars. As long as your debt is $10,000 or more, they will provide their service to you. This company also offers a customized plan for paying off the debt. They are quite famous among the credit card companies so they tailor-made the plans. American Debt Enders: this has got a 4 star for client satisfaction. This debt relief company accepts if you have debts of $5,000 or more. Government Consolidation Loan Companies in the US:

We can maximize our shopping experiences by choosing the best Credit Card Rewards Programs which suits our spending habits. Credit Cards with rewards points help us in having extra cash during month end, saving points for future trips or collecting airline miles. There are few rewards programs which could help you find the best reward program suited to you. Credit Cards with Cashback – The credit card issuers offer standard rates of 2% for gas and grocery purchases with additional bonuses like shopping on e-commerce websites, movie theaters, and wholesale stores. Credit Cards with Flat Cashback – The credit card offers flat cashback rates usually at 1% or 2% on all purchases. These cards don’t have many bonuses. Travel Credit Cards – The credit card reward programs are suitable for people who are frequent travelers. They would collect miles, which can give them free tickets. In addition, there are additional benefits like lounge access and zero checks in baggage fees. Gas Credit Cards – The credit card rewards programs in best suited for people who frequently purchase gas/diesel. There are rebates/discounts on fuel purchases as well as cash back and bonuses. Co-branded Cards – In co-branded cards is especially for people with the preferred airline, hotel chain or gas station.

Balance Transferring on credit cards is a method of paying the credit balance of one card by using another card. For example, if you have a credit card X with credit payable of $ 60, the concept of balance transfer would facilitate us to use, let’s say, credit card ‘Y’ to pay off the debts of credit card ’X’. Hence the revised payable would still be $60 payable to company ‘Y’ over the stipulated period. The Importance This is important to people who have maxed out their credit cards and are unable to pay their dues. The consumer can transfer off their credit from one card to another at zero balance transfer charges. It is essential to understand that the transfer of credit is not equivalent to repaying the credit. It allows them to have a temporary breather from the payment of dues. The balance transfer is also available on loans for cars, appliances etc. Zero Balance Transfer Credit Cards The credit card companies charge an interest and a transfer fee to the customer for the transfer of balance. However, due to increased competition in the business of credit cards, there is an option of balance transfer credit cards at 0%.

A reverse mortgage provides the elderly access to equity in their homes and supplements their income. With its flexible repayment option, it gives homeowners more control over their money. However, the government has laid out strict rules and guidelines concerning reverse mortgage eligibility criteria. So, if you’re considering a reverse mortgage, read on to know the reverse mortgage eligibility criteria and the types of reverse mortgages. Reverse mortgage eligibility criteria The first criterion for a reverse mortgage is that the primary homeowner must be at least 62 years of age. If your spouse is under the age of 62, you might still be eligible if you meet other reverse mortgage eligibility criteria. If you’re not 62 or older than 62, then you won’t qualify for a reverse mortgage even if you satisfy the criteria mentioned below. You must be the primary resident of the home you’re seeking a reverse mortgage for. Note that vacation homes or rental properties do not qualify. You must either entirely own the house or have at least 50% equity in it. If you have any mortgage balance remaining while applying for a reverse mortgage, you must be in a financial position to pay off that balance.

Automated investing services, or Robo advisors, have become ubiquitous in the present times. Many financial service companies now have their own automated investing services. There’s no doubt that the introduction of Robo advisors has made investing an accessible financial option to many. However, automated investing has some disadvantages as well. So, before you decide to opt for the best automated investing service, have a look at its pros and cons. Pros of using Robo advisors Low fee Low management fees are one of the biggest advantages of opting for a Robo advisor. Big names in the finance industry such as Charles Schwab Corp.’s Intelligent Portfolios offer Robo advisors for free, while some financial institutes such as Betterment and Wealthfront charge a low 0.25% as a management fee. High-quality investment portfolios Algorithms used in some of the best automated investing services such as the ones provided by Betterment are backed by Nobel prize-winning investment models. These models are created to offer the greatest return on investment for the smallest risks. Access to a financial advisor Many traditional financial services companies now use Robo advisors to select assets for their client’s investment portfolios. This allows them to offer their clients financial advisers that can help them with taxes, loans, and any kind of financing or investment.

A good credit score is essential as it can be a criterion for lucrative job prospects or renting an apartment. Moreover, a good credit score is an uncompromisable necessity while applying for a loan that has terms and conditions that favor you. To ensure that you have a good credit score, it is better to start building it young and early. One of the easiest ways to do so is by applying for a student credit card from prominent credit cards companies. Now, there are several credit cards companies that offer lucrative credit cards, making choosing the right one confusing. To help you narrow down your choices, here are some of the best credit cards companies that offer student credit cards. Bank of America® Travel Rewards Credit Card for Students: One of the biggest credit card companies in the country Bank of America offers a slew of benefits with its student credit card. With each dollar spent using this card, students can earn 1.5 points. This applies to purchases without any caps. The points can be redeemed as discounts on hotels, flights, rental cars, and vacation packages. There are no restrictions or blackout dates applicable for availing these discounts. With no foreign transaction fee or annual fee, the card allows one to earn nearly 25,000 points on spending about $1000 in the first 90 days.

If you’re looking for funding your small business with a loan, you’ll most likely come across the term “guaranteed business loans.” People often misunderstand this term as business loans that are guaranteed to be approved. But, this is not what guaranteed business loans means. To clarify the confusion, let’s understand what the term actually means, and discuss the most popular types of guaranteed business loans. What are guaranteed business loans? In simple terms, guaranteed business loans in the world of small business loans refer to loans that are secured or backed by a guarantee. The guarantee can be in the form of collateral, deposit, or an agreement. This essentially means that the lender is guaranteed to receive their money back even if the borrower fails to pay. When we talk about guaranteed business loans, we refer to loans with a personal guarantee or, more commonly, loans guaranteed by the small business administration (SBA). Let’s take a look at both these types. Personally guaranteed business loans As you understand from the term “personal,” when you make a personal guarantee on a business loan, you essentially agree to sell your assets to pay off the loan, if your business is unable to do so.

Exchange-traded funds (ETF) have been gaining popularity in the investment sector for some time now. Along with mutual funds, they have been one of the most preferred investment options among investors. With investors having pumped in billions of dollars in ETFs by now, these funds sure seem like a lucrative investment avenue. However, financial experts suggest treading this path carefully so as to avoid unforeseeable losses. Here are a few mistakes that you can avoid while investing in high dividend ETFs: Overlooking long-term investment Looking at long-term goals is the golden rule when it comes to any type of investment. However, seasoned investors invest in ETFs on a short-term basis through a type of trading called intraday trade. This type of trading allows the investors to buy and sell stocks and other investments on the same day. However, if not thought out carefully, investing in high dividend ETFs through intraday trading can result in lower returns and higher trading costs. Buying an ETF simply based on its name This is one of the most common mistakes people make when investing in high dividend ETFs. Investors may think that an ETF’s name provides an insight into its investment reach, i.e., whether the ETF has local or/and global investors.