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Money

Top 4 tips for Buying a Used Car Without any Trouble

January 13, 2023 by Tristan Leave a Comment

When someone plans to buy a car, there is a lot of work to make a good deal. Buying when a new vehicle is not within their budget, people often opt for used cars. Buying a preowned car can be hectic as there are different things to focus on. One can easily find advertisements on sell your car in dallas tx, but buyers should be more conscious before making the big financial commitment. Whether buying from a dealer or directly from the seller, it is important to get a vehicle history.

Tips for buying a great used car

Buying a used car can be cheaper than a brand-new one. There are various platforms to get a secondhand car, like online retailers, private parties, or from a dealer. But before making any final decision, have a look at the facts mentioned below –

1. Do some homework: Unfortunately, many sellers try to sell low-quality used cars at high rates fraudulently. To avoid such situations, do some homework. At first, consider the requirements like the features, model, budget, repair costs, safety tests, mileage, etc. Every single piece of information is essential to buy a car.

2. Determine how much to spend: No matter whether a person decides to take out a loan or pay with cash, it should be worth the money. Multiple car loan providers simplify the buying process. Before rushing to buy a used car, it is important to line up the financing as it can save money. Do not believe all online ads about sell your car in dallas tx, blindly.

3. Get an independent mechanic: Always inspect the car by an independent mechanic before buying it. A comprehensive check-up can determine whether the buyer is getting an acceptable quality or not. Don’t plunk down the earnings all of a sudden!

4. Consider a certified used car: Investing in a certified vehicle can provide maximum mileage, ensuring the excellent condition of the transmission system. Check the license and certification carefully while buying a pre-owned vehicle. Don’t get emotional with the color or model because it’s all about quality which will show the performance. It’s better to be cautious than regret it later. Isn’t it?

Conclusion

These were some essential tips for buying a secondhand car with ultimate safety. However, if someone doesn’t want to take a risk, they can look for a trusted dealer for the job. Finding an authorized dealer will make sure their clients get the best value for the money. One can Google sell your car in dallas tx, or buy a car in Dallas, TX, and look for the best dealers in the area. It is always better not to take risks with the quality of the product. Especially those buying a car for the first time might not be knowledgeable enough to identify all the features. The experts will inspect all the mechanisms and ensure the best deal for their customers.

Filed Under: Money

Pros and Cons of Using Cryptocurrencies When Sports Wagering

December 21, 2022 by Tristan Leave a Comment

With advances in technology, the popularity of sports betting keeps increasing. The days when sports bettors had to go to a local betting shop to place a bet on a favorite team or player are long gone. Streaming games like basketball or football gives bettors a chance to watch what’s happening with their bets in real time.

Most gambling platforms also offer details and information that help bettors to make more informed bets. They are now also offering the use of cryptocurrencies as a form of payment. Here are some of the pros and cons of using crypto for sports betting.

Advantages of using crypto for sports betting

Anonymity and discretion: Crypto is untraceable, and for bettors who prefer anonymity, it offers them a way to keep their identities from public view. Those with crypto accounts can freely transfer crypto to and from their crypto wallets to finance their gambling.

Safety and security: Crypto also has the benefit of being safe and secure due to the encryption involved in creating it. Assets are better secured from hackers or fraudsters.

Bettors who want to enjoy safety and security need to make sure they use reputable casinos for sports betting. Play Gun Lake Casino is a trustworthy casino with an app that offers convenient and safe sports gambling for bettors.

Quick and easy transactions: When transacting with foreign sites, currency exchange can be a problem but transacting with crypto is easy and fast. Bitcoin transactions usually don’t take more than 10 minutes to process, and some crypto coins like Litecoin provide even faster transactions.

Decentralized system: Crypto isn’t regulated by any central authority, so a digital user has true ownership over assets.

Disadvantages of using crypto for sports betting

In spite of the growing popularity of online casinos, some countries still don’t allow the use of crypto to finance sports betting.

  • The anonymity of using crypto can be a benefit, but it can also create a problem. It is almost impossible to trace those involved in illicit activities such as match-fixing.
  • Crypto takes longer to liquefy than traditional fiat currencies. It can take a while to turn it into a liquid asset.
  • Crypto is volatile in nature. For example, Bitcoin’s price fluctuates up and down. It is a good form of payment, but it isn’t wise to keep savings in the form of Bitcoin. Some other top crypto coins players use are Ether and Avalanche (AVAX).

Is the use of crypto in sports betting a step into the future, or could it be problematic due to the high levels of anonymity and encryption? Only the future will tell as more sports betting platforms begin introducing crypto payments.

 

Filed Under: Money

Bitcoin In Japan: The Digital Currency Taking The Country By Storm – Kavan Choksi

November 10, 2022 by Tristan Leave a Comment

In just a few years, Bitcoin has taken the world by storm. But while it is well known in countries like the United States, it is only now starting to gain traction in Japan. The country has been experiencing a digital currency boom, with more and more people investing in Bitcoin and other cryptocurrencies. So what is driving this trend? And what does it mean for the future of digital currencies? In this blog post, experts like Kavan Choksi will take a closer look at Bitcoin in Japan and what makes it so popular!

What is Bitcoin and how does it work?

Bitcoin is a digital currency that allows users to send and receive payments without the need for a central bank or other financial institution. Bitcoin is decentralized, meaning it is not subject to government or financial institution control. Instead, it is managed by a global network of computers that verify transactions using blockchain technology.

Why is Bitcoin taking off in Japan?

There are a few reasons why Bitcoin is becoming more popular in Japan. First, the Japanese government has been supportive of digital currencies. In March of this year, the government recognized Bitcoin as a legal form of payment. This has helped to legitimize Bitcoin and increase its adoption in the country.

There has been an increase in the number of Japanese businesses that accept Bitcoin. This is thanks to the rise of Bitcoin exchanges and wallets in the country. These businesses make it easy for people to buy, sell, and store Bitcoin.

Investors in Japan are seeing potential in Bitcoin as a way to hedge against inflation. With the Japanese yen losing value against other major currencies, Bitcoin has become an attractive investment option.

There is a growing community of Bitcoin users in Japan who are spreading awareness about the digital currency. This community is helping to drive adoption by providing support and education to new users.

What does the future hold for Bitcoin in Japan?

The future looks bright for Bitcoin in Japan. The government continues to be supportive of digital currencies, and more businesses are beginning to accept Bitcoin. With a growing community of users, Bitcoin is well on its way to becoming a mainstream currency in Japan!

How can I buy Bitcoin in Japan?

If you’re interested in buying Bitcoin in Japan, there are a few things you need to know. First, you’ll need to set up a Bitcoin wallet. This is where you’ll store your Bitcoin. Next, you’ll need to find a reputable Bitcoin exchange where you can buy and sell Bitcoin. Finally, make sure you’re aware of the risks associated with investing in Bitcoin.

With that said, here are a few reputable exchanges where you can buy Bitcoin in Japan:

Coinbase is one of the world’s largest Bitcoin exchanges. They offer a user-friendly platform and support multiple payment methods, including credit cards and bank transfers.

Bitflyer is the largest Bitcoin exchange in Japan. They offer a variety of features, including a mobile app and support for multiple currencies.

LocalBitcoins is a peer-to-peer Bitcoin exchange. They allow you to buy and sell Bitcoin directly from other users.

What are the risks of investing in Bitcoin?

As with any investment, there are risks involved with investing in Bitcoin. The price of Bitcoin is volatile, meaning it can go up or down quickly. This makes it a risky investment. There is also the risk that exchanges could be hacked, and you could lose your Bitcoin. There is no guarantee that Bitcoin will continue to grow in popularity and value.

 

Filed Under: Money

Five Ways to Become Financially Independent

October 19, 2022 by Tristan Leave a Comment

Free Text Stock Photo

Some people are low maintenance and focus on saving compared to those that splurge before they can build stable income streams. Alternatively, you might be able to maintain your lifestyle by making certain tweaks to your current habits with effective financial planning.

According to the latest Census Bureau data, 24% of young adults aged 22 or less were financially independent in 2018, compared to 32% in 1980. It is primarily because most Americans (64%) believe that the age of financial independence must be 22, but that is not the reality of most young adults.

The focus on financial independence from a young age teaches a lot about financial planning and spending wisely. The earlier you start being responsible with money, the more financially independent you will be.

However, becoming financially stable by a certain age is not necessary. It might take time, as it is not an overnight process. Let us see how you can achieve that over time.

Set Your Life Goals

Financial freedom might not mean the same to everyone. Some may consider it as the road to success, while others aim for it to support others. If you aim to become a philanthropist, look for a cause to support and find a list of charities to give to who are contributing towards your community and country. It is a good way of giving back and makes you feel good.

Setting your goal lets you decide how much you need to earn and within what time limit. Note down three basic objectives for yourself:

  1. The lifestyle changes needed to achieve your goal
  2. The amount in your bank account to make that possible
  3. The deadline age to save that amount

Then, set your financial mileposts through regular intervals from your current age until your goal achievement age. Note down the deadlines for the amounts, and draw a goal sheet to keep you motivated and updated.

Set Your Budget

Drawing a budget lets you keep track of your income, spending, and savings. Your household budget must include the following:

  1. Clearing debts like credit card bills or loan repayments
  2. Utility bills and rent payment
  3. Insurance
  4. Paying installments (if any)

Your essential obligations like these must come first. Avoid running deep into debts and late repayments, as they may cost you in the end. Then you can budget your grocery needs, clothing, and other essential household items.

Ideally, set aside a certain amount for each element and stay within the budgeted window. Your aim must be to save more than you spend. Effective budgeting could help you do that.

If you want to splurge occasionally, only do it if your budget allows you to. You must not be spending more than you make. Avoid going into credit card debt in the first place. If your bills pile up, you might have to pay a higher interest rate that detracts you from your budget.

Build Automatic Savings

Automatic savings include enrolling in your employer’s retirement fund, provident fund, or matching contribution benefits. Set automatic withdrawal into an emergency fund for unexpected expenses.

However, make sure you pull out your emergency or retirement fund the day you receive your paycheck. That way, your account will remain safe. However, the recommended amount in the emergency fund relates to your circumstances.

Also, remember that retirement funds come with tax benefits that might make it difficult for you to access them before retirement. Therefore, do not depend solely on your retirement funds to build your emergency funds.

You can open a savings account and have a certain amount transferred to it automatically every month. You can schedule the transference from more than one account. For example, if you plan to save part of your rental income every month, you can schedule for automatic funds transfer to your savings account. You can do the same for income generated from other sources.

You can use your savings account in case of emergencies as well.

Start Investing

Making wise investment choices can take you from ground level to the sky. Start investing small if you cannot afford bigger ones or have no experience. Invest in treasury bills to be safe. They guarantee full repayment of the principal amount at maturity and pay periodic interest.

Investing in the stock market is also a great way to increase your income exponentially. However, it requires studying markets closely and following trends. The stock market can become unstable and change drastically. At the same time, it is a great way to make quick money.

Gradually, you can start investing in more stable and lucrative markets like real estate and gold. These carry a lot of value and are great for long-term investment plans. However, these markets can also experience drastic changes and depend on the respective country’s economic performance. Therefore, you must be able to identify good markets to invest in.

Investments save you from having to depend on your day job alone. If your job falls in jeopardy, you will have something to fall back on. Having a safety net to fulfill your family’s needs is also essential. Investing in different markets is a great way to do that.

Consult a Financial Advisor/Planner

Consulting a professional is beneficial in both ways: whether you are beginning your financial freedom journey or want someone to manage your money. A financial advisor can give you options according to your current financial status. Ensure you communicate your goals and financial objectives to receive sound advice.

Alternatively, a financial planner can help you manage your money wisely and responsibly. For example, a financial planner can manage your portfolio if you have a stake in multiple investment plans. Moreover, they can also help you in your estate planning.

Additionally, suppose you own multiple illiquid and fixed assets. In that case, your financial advisor will help you determine their value and to make the best use of those assets for optimal financial benefit.

Conclusion

Financial independence can solve many financial problems and help you achieve your life goals. Therefore, you cannot underestimate its importance. However, it would be best if you started planning your financial goals early and set goals you want to achieve by a certain age.

It is essential to set your budget and stick to it. Set aside a certain amount for savings. Establish an emergency or savings fund to fall back on during a hard time.

Additionally, start investing small and then slowly build your investment portfolio. It will help you create more than one income stream. You can hire a financial planner to manage your portfolio and get sound advice on building one according to your finances.

 

Filed Under: Money

4 instances, 9/11 victims may receive compensation without filing or requesting funds

September 23, 2022 by Tristan Leave a Comment

There is no going back to how things were in the days, weeks, or months before 9/11 for those who suffered losses in the heinous terrorist attacks on the Pentagon, the World Trade Center, and the disaster in Shanksville, Pennsylvania. The September 11 Victim Compensation Fund (V.C.F.) assists those who were hurt, became ill from the poisonous dust, or lost a loved one, even though there is no way to turn back time. To get these funds hiring a professional attorney such as Weisfuse & Weisfuse – 9/11 Personal Injury Lawyer will make the process easier and simpler.

Who is eligible for the funds

Your 9/11-related litigation must have been filed, withdrawn, dismissed, settled, or released on or before a certain date to qualify for compensation from the V.C.F. The V.C.F. Act states that you may file a lawsuit or request compensation from the V.C.F.; however, you may not do both except in the situations detailed below.

  • Waiver of right to bring further litigation.

You forfeit your right to launch a lawsuit (or to participate in one) in any federal or state court for losses incurred as a result of the 9/11 terrorist plane crashes or for losses resulting from or connected to debris removal when you submit a V.C.F. claim. This implies that even before the V.C.F. decides whether or not you are entitled to compensation, you relinquish your right to participate in a subsequent case. The Personal Representative shall forfeit the right to pursue further lawsuits demanding damages for the decedent’s passing in cases involving deceased people. According to one interpretation of the law, submitting a claim on behalf of a deceased person automatically waives the rights of any other parties who could have sought to bring a wrongful death lawsuit.

  • Permissible lawsuits

You can claim with the V.C.F. while also pursuing one of two 9/11-related cases, as was mentioned above. You can file a civil lawsuit to recover your collateral source responsibilities. The term “collateral sources” is used in the statute to refer to all sources, including life insurance, pension funds, death benefit plans, settlement money from lawsuits relating to September 11, and payments made by the federal, state, or local governments for the removal of debris or related to the terrorist-related aircraft crashes on September 11, 2001. Second, you may file a civil lawsuit against anybody who is a “knowing participant in any conspiracy to hijack any aircraft or perform any terrorist act.” This contains litigation based on allegations of encouraging or supporting a terrorist attack.

  • If you dropped or dismissed your case without reaching a settlement

There are specified timeframes by which you must have withdrawn or dropped that litigation if you had filed a 9/11-related lawsuit before making a V.C.F. claim to be qualified for reimbursement from the V.C.F. According to 28 C.F.R. 104.61, no one who has filed or is a party to a lawsuit seeking compensation for harms “experienced as a result of the terrorist aircraft crashes of September 11, 2001, or for losses emerging from or linked to debris clearance” may “claim with the Special Master unless they withdraw from such action not later than January 2, 2012.” Along with your claim, you must provide evidence of a timely withdrawal of your action.

  • If your claim was arbitrated

There are specified deadlines by which you must have offered a release of the settled claims and dismissed any lingering unresolved claims if you filed a 9/11-related lawsuit before filing a V.C.F. claim and resolved any of the claims stated in the lawsuit.

In conclusion, these processes may be complicated. However, hiring the right lawyer will ensure you understand these processes and guarantee to get compensation funds.

Filed Under: Money

Financial Pros At Greensprout Share The Most Popular Finance Apps In 2022

August 17, 2022 by Tristan Leave a Comment

Your finances are important. We know that! We also know that one of the keys to living a good life is to be able to adequately use the money you have to obtain the resources you need.

That’s why we interviewed experts at GreenSprout, a finance blog with a mission to educate everyone financially on the most popular finance apps in the market. Below are the details of the interview.

WHAT ARE FINANCE APPS?

Finance apps are software applications downloadable on your mobile devices for financial service purposes.

WHAT ARE THE TYPES OF FINANCE APPS?

Finance apps can be used for several purposes. Thus, there are different types of Finance apps. These include Budgeting apps, Investment apps, and Cost-cutting apps.

Budgeting apps are designed to help you plan and follow your monthly budget. They also help to track your spending habits and expenses to best attain your financial goals.

Investment apps help you customize how you invest and make money. In contrast, cost-cutting apps are designed to help you keep track of your subscription-based expenses. This will enable you to know where your money is being spent. With that, you can decide which to stop or put on hold.

WHAT ARE THE MOST POPULAR FINANCE APPS IN 2022?

At GreenSprout, we are always on the lookout for the best finance apps. First is the Spendee app, which allows people to manage their finances as a household or group. It’s easily accessible to all parties. However, the bank account sync is only available on the premium plan, which costs 2.99/month or 22.99/year.

Next is You Need A Budget. This app is very popular because of its effectiveness. It provides detailed budgeting and spending reports and is easy to use. It allows a free trial, which charges $14.99/month or $98.99/year.

Mint is another great budgeting app that allows you to track your spending habits and monitor your credit health. It has a free feature, but this comes with ads. You can subscribe to the premium feature for $4.99/month to avoid ads. The app is also easy to use.

Lastly, we have Acorn, which offers about 25 expert-designed ETFs featuring over 7000 companies. It charges only $3/month for a personal plan and $5/month for a family.

WHAT ARE THE BEST CHEAP FINANCE APPS?

While high-end finance apps have proven themselves in the industry. Cheap finance apps are also trying to catch up. Some of them are; Ellevest, Truebill, and TRIM.

Ellevest is a very popular investment app, especially among women. This is because it is made by and for women. Depending on your plan, they offer personalized investing, financial planning, and retirement investing features at only $1-$9/month.

On the other hand, TrueBill goes through your bank statement to confirm all your current subscriptions. Subsequently, you can choose the ones you wish to keep paying for and the ones you want to cancel. Lastly, TRIM can sift through your bank statements to eliminate unwanted subscriptions.

WHAT ARE THE BEST FINANCE APPS FOR BUSINESS?

Some of the best finance apps for business include; Xero, QuickBooks, FreshBooks, and Wave.

 

Filed Under: Money

When Is the Right Time to Invest in Cryptocurrencies?

July 25, 2022 by Tristan Leave a Comment

33 million Americans bought cryptocurrency in 2022. Look at diversifying your portfolio and investing in cryptocurrency. Keep reading if you’d like to learn about the best cryptos to buy.

In this guide, you’ll learn when to buy cryptocurrency. There are better times of the day and month to invest in cryptocurrencies.

Ready to learn more? Check out the crypto tips below.

Ensure You Have the Finances to Invest

The best time to invest in cryptocurrency is when you have some available finances to buy the crypto.

You can use a dollar-cost averaging approach. This way, you control the volatility of your cost and try to avoid some of the roller coasters.

Don’t put more into crypto than you’re willing to end up losing. Cryptos aren’t guaranteed winners or even asset classes that provide security. Some cryptocurrencies can end up hitting zero.

There have been reports about people making large amounts of money when they buy at the right time. Yet, most of the time, it’s about luck and not the particular timing of the market.

What About the Best Time of Day?

Crypto trades will occur throughout the day. Even in the early morning, people will make crypto trades. You could time your trades to a specific time. Yet, you might not see many patterns when you analyze the data.

Compare the trading activity of Cardano, Ether, Solana, and Bitcoin. These cryptos have high cap rates and tend to fall and rise together. They are helpful when comparing windows of time for a buy.

Consider checking out the data from November and October. The best time during these months was usually in the morning and early. Other coins aren’t considered as severe but follow similar patterns.

Dogecoin, Inu, and Shiba were some of the ones that mimicked the design. Try undervalued crypto like Filecoin or Polygon. Learn about Filecoin price options.

During the Week

During the week, the best time to buy crypto is on a Thursday. Six of the eight weeks usually saw a dip during this time. If the trend continues, Thursday morning will continue to be the time to buy.

The second best day is usually a Monday, then Friday and Saturday.

Try Investing at the End of the Month

Crypto is constantly changing, so it’s challenging to time purchases. The values usually rise in the first part of the month and then get followed by a price collapse.

Most people sell after it increases during the second part of the month. The best time of the month right now looks like the end.

This will vary with other smaller altcoins or cryptos. Based on the coins with high cap rates, the trend remains consistent.

Start Preparing to Invest in Cryptocurrencies

Will you invest in Cryptocurrencies this year? Consider looking at the different types of crypto and consider what one you want to buy.

You shouldn’t invest in crypto and more money than you’re comfortable losing.

Want to learn more financial tips? Check out the personal finance resources on the blog today.

 

Filed Under: Money

Money Management: 5 Tips to Adopt

June 27, 2022 by Tristan Leave a Comment

We might all be different in many ways, but we have a lot in common; we all have to budget our lifestyle to be in line with our income and as you would expect, some people are better at money management than others. You do need a degree of self-control in order to live within your means and if you are struggling to make ends meet, here are a few money management tips.

  1. Cash payments – While we are definitely heading for a cashless society, paying cash does have its pluses; you know how much you are spending when you use dollars and for some, paying with plastic doesn’t seem to register what you are actually spending. While some places insist you pay electronically, if you use good old cash when you can, you’ll have a better idea how much you’ve spent.
  2. Read up on personal finance – There are a million and one books to educate you about managing your personal finances; a simply Google search will bring up thousands of websites offering similar knowledge and the first thing to do is list all of your weekly expenses, essential and non-essential, then look at your weekly earnings and there should be enough left over to start saving. While we don’t advise you to borrow regularly, if you have an emergency, you can always get a Cashify loan to get by.
  3. Saving your coins – Get one of those huge glass jars and leave it in the hall and drill it into your mind to put all your coins in there when you arrive home. It might not seem like a lot of money, but as time passes, you will be surprised at how much that jar contains and whatever you do, resist the urge to dip into your piggy bank. The sooner you get into the habit of saving a portion of your salary, the better; some people set up a direct debit to their savings account, which is a great way to make sure you don’t spend your nest egg.
  4. Set saving goals – While many people complain that saving is impossible, most can put away a few dollars for the future and there’s one great thing about saving, you will never regret it! Start by listing your monthly outgoings in 2 columns; essential and non-essential, then look at the balance after all has been paid – that is the minimum figure you should be able to save and by cutting out a few non-essentials, you can increase that figure. Click here for information on how to get a free debit card.
  5. Reduce your shopping trips – Let’s be brutally honest here, it is only when we go shopping that we seem to spend money and by cutting down on the number of times you are around stores is bound to lead to a saving. The media hurls commercials at us from all directions, desperately trying to convince you to buy that new car or try the latest iPhone, so a degree of self-control is required sometimes.

Managing your personal finances is an integral aspect of adult life and this is to wealth generation and that leads to financial security. Good luck out there!

 

Filed Under: Money

Get a Free Debit Card: 7 Steps to Follow

June 23, 2022 by Tristan Leave a Comment

Signing up for a free debit card is amazingly simple, with few exceptions. The only things you’ll need to provide are your name, some contact information, and an email address or a phone number. Depending on what type of an account you’re signing up for, you may be asked to provide your social security number, birthday, address, and employer information to set up “direct deposit.”

But just because signing up is a no-brainer, that doesn’t mean there aren’t other things to consider.

1 How will you use the card?

Different cards have different purposes. Some cards offer price protection, whereas others offer rebates or discounts on gas. Maybe the card has a cash-back program on internet purchases at certain retailers. Know the purpose of the card before signing up for it.

2 Know the interest rate.

Most debit cards also allow you to use them as credit cards. Some draw from the bank account regardless of whether you select credit or debit. Others are designed to charge you interest for your purchases if you don’t pay the money back immediately. Know which type of card for which you’re signing up.

A debit card’s interest rate can benefit you, too. How? If you’ve signed up for a card that doubles as a savings account, your money in the account can work for you by earning you interest.

3 Know where the card’s free ATMs are.

When you sign up for a debit card, it’s best to check where the card’s ATMs are. It’s somewhat useless to sign up for a card that the ATMs are places you rarely or never visit.

In a similar vein of thought, know where you can load cash onto the card. Having a prepaid card does you no good if you can’t reload it.

The more places you can use free ATMs and cash loading sites, the better off you’ll be.

4 Know what fees you’re paying

  • Some cards cost money to activate; other debit cards are free to use.
  • Some cards get fees for checking account balances. Others ask for a nominal fee, somewhere between $0.50 – $5.00 per time.
  • Some cards offer a free card if it’s lost; others have to pay a fee for each new card issued, but the value you had on it is accessible with the new card.
  • Some charge you a fee per purchase. Others you pay by the month
  • Some require you to use them once a month or get an inactivity fee for nonuse. Others don’t care.
  • Some make you pay extra when you’re out of the country. Others don’t charge any additional fees for foreign transactions.
  • Most prepaid bank cards charge a paper statement fee.
  • Some cards will charge a fee for declining a purchase.
  • “Bill payment fee” is a fee for using bills, typically things like phone, gas, or lights.

When deciding on which free debit card to sign up for, choose the card that has the least number of fees possible. Also, the fees that are charged should be nominal. If you’re fortunate, you might find a bank card that doesn’t charge fees at all, but this is exceedingly rare.

5 Know all the different ways you can use the card

Some cards have a “chip” and require you to insert it into the machine. Others are “swipe only.” Some cards have protections that disallow internet transactions above a specific dollar amount or will monitor the card’s location, thus making it impossible to purchase on a computer with an active VPN. Others allow you to connect the card to phone apps, like Google Pay, Apple Pay, and Cash App. Most prepaid cards come with an app that you can download to check the balance and move money around or use to pay bills.

6 Know what protections the card offers

Reputable cards are FDIC insured against unauthorized purchases.

Some cards have an additional layer of security by sending out alerts regarding purchases and the ability to lock and unlock the card using their app.

7 Know the card’s terms and restrictions

Any time you sign up for a card, there are several pages of terms and restrictions – things you’re allowed to do and things that will break the card’s terms of service (TOS) agreement. Even though it’s mostly the same from card to card, it’s still a good idea to skim through it before signing. There may be services you want from a card that the card doesn’t provide. Conversely, there may be things you regularly do the TOS agreement disallows.

The Yotta Card

Sign up for the Yotta Card. It’s a free debit card insured by the FDIC, with the extra benefit of having 55,000 in-network ATMs and 90,000 places where you can load money onto the card. Unlike other cards, you can win money simply by using the card. Sign up for yours today!

 

Filed Under: Money

Things to Inspect Before Renting an Apartment

June 20, 2022 by Tristan Leave a Comment

Before renting an apartment, it is vital to thoroughly check the building’s appliances. This includes washing machines and dishwashers and should open and close easily. Additionally, it is essential to take note of any cracks in the walls or baseboards, as these can be indications of water damage. There are also a variety of pests that can live in an apartment, and you should be aware of the possibility of having to deal with them.

As much as possible, you should visit the apartment in person before signing a lease. While you will be excited and happy to move in, you shouldn’t let your excitement take over your judgment. There may be hidden issues that are not visible to the naked eye or are even illegal. By conducting a thorough check before renting an apartment, you will be able to avoid potential problems and avoid a hefty rental bill.

HOA rules and regulations

When going towards apartments for rent, there are often HOA rules and regulations to keep in mind. Although HOA rules may seem restrictive at first, they are generally designed to benefit both the community as a whole and individual homeowners. By implementing these policies, residents can maintain the values of their homes and the community’s atmosphere. Read the rules carefully and comply with them to ensure that you are renting an apartment in compliance with HOA regulations.

First, renters are subject to the same HOA rules as owners. Owners of rental properties must communicate the rules and regulations to renters. If tenants don’t follow them, penalties may occur. In some cases, landlords must take legal action to recover fees. HOA rules and regulations are often outlined in governing documents. Once a renter fails to follow these rules, the landlord is liable for any fines.

Utility costs

When renting an apartment, there are many factors to consider regarding utility costs. These costs depend on several factors, including the size of the apartment, the region you live in, and which utility provider you choose. You should also take into consideration how much water and electricity you use in a given month. For example, if you live in the Midwest, your water bill will likely be higher than if you live in a warmer area. You should also consider replacing an old water heater and replacing the air filter in your furnace or air conditioning system every three months. Lastly, you should be aware that using a smaller showerhead or brushing your teeth in a colder temperature can save you money on your utility bills as well.

Although you won’t know exactly how much you’ll be spending on utilities when you rent an apartment, it’s a good idea to ask your landlord for past utility bills. You can also call utility companies directly to get an idea of how much they average per month for that unit. Using an online calculator can help you estimate the cost of living in a new place before signing the lease. Utility costs can be high, but you don’t need to pay more than you can afford to spend.

Living with a roommate

There are a number of benefits to living with a roommate. Rent is usually cheaper if two people share a room, and they can split the costs of furniture, groceries, and utilities. However, roommate relationships are not without snags. The relationship may end up being strained over issues such as housekeeping, noise, and bill payment. Luckily, there are some tips for choosing a roommate that will work for everyone.

One of the most important things to consider when choosing a roommate is compatibility. The roommate should share common interests, like hobbies or similar interests. It is also important to decide on communication methods. The roommate should agree on a set of rules for summer and winter temperatures, as well as a way to coordinate and communicate with each other. If there is a history of conflicts, roommate problems can be avoided.

 

Filed Under: Money

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Welcome to Street Talk Live, I’m Tristan and I hope you find the information I blog about useful. I love to travel and explore the world. I believe it is important to learn about other cultures and keep up to date with the latest news in the world. Read More…

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