How Much Does it Cost to Add a Teenager to Car Insurance?

how much is teen car insurance
Photo credit:

The majority of teenagers dream about their own car after getting a driving license. For every teenager getting driving license means the next level of adulating and gaining independence. But for parents it means additional costs in the form of one more auto insurance.

If you add a teenager to your insurance policy, it will undoubtedly increase your rates. The answer to the question “How much does it cost to add a teenager to car insurance?” depends on many factors, including your living area and the age of your teenager, among others.

Continue reading “How Much Does it Cost to Add a Teenager to Car Insurance?”

We Know How to Revitalize Your Business

Photo credit:

In August, 2017 there were 29.6 million small businesses in the US. The statistics shows that about 69,4% (which is two-thirds) of such enterprises survive their second year in business. That means that more than 20% of small businesses fail in their very first year.

It is hard to start your own business. But it is even more challenging to keep it going all the time. How to guarantee the business growth, revitalize it and make sure that you will be one of those who survived the 10th year in business (which is 32.8% of entrepreneurs by the way)? Reach the following tips to breathe life back to it.

Continue reading “We Know How to Revitalize Your Business”

Everything About $1000 Payday Loan

$1000 dollar loan
Photo credit:

Between 10 and 12 million Americans take advantage of short-term loans each year. If you use them wisely, it can be quite a cheap way of borrowing. They will also relieve the stress when you are waiting for a salary and have no cash left. So if you want to get instant money, continue reading. We will inform you how 1000 dollar loan works, tips to get your loan approved, what to spend it for, and its pros and cons.

It is true that it is hard to get $1000 loan bad credit. Although it does not mean there are no options at all. There might be fewer variants and the loans available for you, that may have higher charges.

If you borrow wisely, it can even help you build your credit score so it will be less complicated to borrow money in the future.

Get a $1000 Loan

Continue reading “Everything About $1000 Payday Loan”

Good News for Business Owners: Fast Business Loans!

small business loan fast
Photo credit:

Credit cards, lines of credit, and business loans comprise about three-fourths of financing for new companies, according to the SBA (Small Business Administration).

Small businesses are the most widespread in the U.S. The United States economy lives thanks to such enterprises: it employs more workers, than large and medium businesses.

This fact is gradually minimizing the unemployment gap. SBA reports that there are more than 28.8 million small businesses in the U.S. It is approximately 99.7% of all the business of the country. Small business activities employ over 48% of the population, or over 56 million people. These numbers are growing all the time. They create over 1.1. million new net jobs each year.

Those enterprises are essential not only for unemployment decrease – they expand the possibilities for women and minority as well.

Business Loans

Continue reading “Good News for Business Owners: Fast Business Loans!”

Are There Sites Like Credit Karma?

sites like credit karma
Photo credit: CreditKarma

If you want to check your credit score out of charge, do not look for more, than three sites. Credit Karma is the most widespread credit score checker. However, it does not make sites like CreditKarma worse. WalletHub, Experian and CreditSesame offer free score as well. They provide with similar services, but each web page has is peculiarities and perks like no other.

Before diving into the analysis, realize one thing: the credit score you obtain from credit score providers is not based on the official FICO scoring model.

The credit score generated by sites like Credit Karma and Credit Sesame is based on models created by the credit reporting companies. Yet, these scores are quite similar to the FICO one. The main advantage of these services is that they may improve your credit score for free.

Bearing this information in mind, let us review Credit Sesame, Credit Karma, Experian and WalletHub in detail.

Continue reading “Are There Sites Like Credit Karma?”

‘I Need Money Now’ Emergency Can be Handled

need money
Photo credit:

Are you saying ‘I need money now to handle the emergency’? The emergent situation can happen to anyone: some sickness can attack you or your family, you may get retired or your car may need urgent maintenance. Maybe you have some emergency cash. But no one knows how much you will need in any particular situation. If it is not enough, you should look for extra financial resources.

Some options can be quite harmless, though others can be potentially dangerous for your financial situation in the future. It is possible to get money wherever you are and whenever you need. How to solve the “I need money” issue? The answer is in this post.

According to the surveys, the people who prefer borrow from friends and family are older than 40-50 years. Young people prefer more creative options.Click To Tweet

Continue reading “‘I Need Money Now’ Emergency Can be Handled”

Bitcoin is Off-Chance to Become a Reserve Currency

bitcoin main currency
Photo credit:

Cryptocurrencies are still in breaking news. However, the debate on whether they are money goes on and on.

The Oracle of Omaha, Warren Buffett, that cryptocurrency speculations will go really bad. CoinMarketCap informs, that the rate of dogecoin, that was valued $2 billion, has plunged to $1,5 billion by Wednesday.

The digital currency has inflated more than any other in the financial market history. Yet, it looks like a giant bubble ready to explode at any moment.

There are many ironic moments in cryptocurrencies description.

Firstly, cryptocurrencies are discussed in the terms of U.S. dollars. But when selling or buying it, they start trading one against another. All of them are cross-traded, like pricing a value of the dollar against yen or euros. These exchanges look understandably on a computer screen, but in practice, the usage of the dollar is much more convenient.

Bonus: Lending Money Against Bitcoins.

Secondly, the dollar is still the main reserve currency worldwide. All world economic transactions are carried out in dollars. Money supply of the nation (M2) amounts to $14 trillion.

Though cryptocurrencies value has reached $600 billion, it is still hard to exchange it into a cold, hard coin.

Wealth of Cryptocurrency Founders is Measured in U.S. Dollars

It is hard to believe, but digital tokens holders talk about their currency in terms of U.S. dollars, not digital coins. The owners never announce how many bitcoin they have. And even if they do, they claim it in U.S. dollars. A bit ironic, isn’t it?

The digital currency has inflated more than any other in the financial market history. Yet, it looks like a giant bubble ready to explode at any moment.Click To Tweet

The Winklevoss twins are the first billionaires from cryptocurrency owners.

Digital coins trend is relatively fresh and should be compared to the currency we know. Maybe in a decade dollar will get old-fashioned and bitcoin will replace it.

But it is a hard path to walk. Economic history recognizes only several reserve currency forms: gold, pound sterling, franc and U.S. dollar.

P.S.: Find out what bitcoin loans are.

How to Save on Dental Care

dental loans
Photo credit:

Taking charge of your teeth is essential not only for your health but also for your wealth. In distinction from the general health insurance, that covers all the expenses, the dental one is much narrower and may not cover all of them. When you need some extra dental treatment, like a bridge or crown, it can cost you quite a lot. If you do not have dental insurance at all, it can cost a fortune to treat your teeth. Don’t want to go out of the dental clinic with the empty pockets? Here are some tips to diminish the damage.

Get Covered

If you still do not have dental insurance, the first step you should do is to find an affordable policy.  The basic insurance covers $50 a month. But to get extra benefits, you will have to pay much more extra.

Brushing and flossing keep your mouth clear. But only a dentist can clear your teeth perfectly. Without orderly cleanings, one risks getting decay, cavities and loose teeth. If you want to foresee this problem and many global ones, make an insurance to get regular cleanings covered.

Web pages for comparing insurance are must-have to visit. From time to time professional organizations or alumni associations give you a right to get a lower premium.

Take Advantage of Dental Loans

Dental insurance is sometimes helpful, but if a person receives an unmanageable bill, loans for dental work can come in handy. For instance, one should pay several thousand dollars for the removal of wisdom tooth. As a rule, insurance covers $ 1,500 a year for dental procedures. Not every American has dental insurance as well. Dental practice loans help patients pay for dental works in parts, instead of paying one lump sum at once.

Borrow Money

Demand for dental care is constantly growing. It is better to take this type of loan than to risk getting a serious disease. That is why more and more lenders are offering dental loans for bad credit to minimize the consequences of the insufficient care. Braces, root canals, and cosmetic gum surgery are the services mostly paid by dental loans. There are also dental school loans, that are often taken to put braces.

Many lenders give dental loans with no credit check. In spite of the level of income, everybody has an opportunity to heal their teeth on time without having a big problem in the future.

Become a Member of Savings Plans

A dental savings plan is quite a fresh concept, but it is getting popular both among patients and providers really at a fast clip. Savings plans collaborate with more than 100, 000 dentists all over the country.

The following plan is based on the membership principle. To enroll one has to pay a yearly fee. The yearly fee and the expected amount depend on the plan. Plan members pay 10-60% less for the dental care. Pay attention that saving plans are not the same as traditional dental insurance. They cannot substitute it.

Get a Discount

Not every dentist participates in a savings plan. But it is still possible to get a discount from him. Just ask about it. You can get a discount if you pay in cash before the procedure or some members of your family are also the patients of this clinic. If you are in a tough financial situation, ask whether it is possible to pay in parts. If you are able to be convincing, try to negotiate a lower price.

Think about a Dental School

To get the needed experience, the dental students practice on real-live patients. If you are not afraid to trust student assistants, you can get cleaning or preventative treatment for free or quite cheap.  Do not be afraid to get your teeth damaged. New dentists are also supervised by the professional ones, so an error is next to impossible.

Care about your Teeth

care about your teeth
Photo credit:

The best way to save money on a visit to a dentist is to take care of your teeth. If you brush and fossil your teeth regularly and check them for gum or cavities, you can avoid expensive procedures.

Your whites will also look much better if you reduce the consumption of sugary and acidic food and drinks.

Whether an apple a day keeps a doctor away is a matter of debate. But when it comes to dental care costs, every option for minimizing your expenses is worth trying it!

LendUp And Payday Loan Alternatives

lendup alternative
Photo credit:

We often require some extra money. In the modern world, this is not an insoluble problem. All of us use loans. Living in debt has become not just normal, but necessary for everyone. But there are so many forms of getting money and lenders that give them. It’s quite easy to get lost.

The Pew Charitable Trust’s 2010 report shows, that payday loans are the most popular loan form. 12 million Americans, 5,5% of the whole population took advantage of the online payday loan. And LendUp is one of leading payday loan providers in the US.

Continue reading “LendUp And Payday Loan Alternatives”