TessMore Finance Blog

International stock funds have turned in a disappointing performance in recent years, at least when compared with US stocks. But long-term investors understand the importance of diversification, including the need to spread capital into underperforming asset classes. After all, asset classes tend to cycle between gains and losses. Though the S&P 500 has been on a tear for the past dozen years, things could change. Two popular international stock funds include Vanguard Total International Stock ETF (VXUS) and Vanguard FTSE All-World ex-US ETF (VEU). Each is a foreign large blend fund that invests in large stocks of companies outside the US. Either one can provide the type of exposure you’re looking for if you want to add international stocks to your portfolio. The question is, which is the better international ETF for your portfolio – VXUS vs. VEU? Table of Contents VXUS vs. VEU: How Each One Works VXUS vs. VEU: A Direct Comparison Basic Information Portfolios Performance...

Getting scammed for a loan is pretty common these days. Scammers or Fraudsters platforms take advantage of People who want to pay their educational expenses, bills, or make a big purchase by offering them a loan with terms that seem too good to be true. Anyways, people still fall under their trap and even lose their savings. Loan Jam is one of many platforms on which people have some reservations as it is recently launched. Wondering whether it is one of the scams, or is it legit? Loan Jam is indeed a legit loan service. It has listed 13 lenders who review your applications and then decide whether you are eligible or not. You should know that Loan Jam isn’t itself a loan lender. It merely provides a platform between you and your lender. So, you can try the Loan Jam service if you need a loan.   If you want to know about the application process and some crucial information that is necessary to know before you apply, then read on. Loan Jam Service: Reviews And Process Loan...

A couple of weekends ago, Kim and I enjoyed a short vacation on the Oregon Coast. She's been taking foraging classes , and she had an early morning workshop on harvesting sea vegetables one Sunday. Rather than wake in the middle of the night to drive out, we rented a small place in Tillamook and took the dog for an adventure. (The dog loves the coast.) We let Tally lead us on a walk through town one rainy afternoon. Coming home, we cut through a trailer park. “We're in the poor part of town,” Kim said. “Yep,” I said. “But look at that trailer house right there. That is almost exactly like the one I grew up in.” Here's the trailer I grew up in: We stopped to look at the trailer. I pointed out the tiny windows and the sagging roof. “It's small,” Kim said, frowning. “Yes,” I said. “Yes it is.” The trailer was a beat-up 1970-era single-wide. Nothing about it looked appealing. I could imagine the inside: shag carpet, thin wood paneling on the walls, faded linoleum, col...

It can be challenging to qualify for a rewards credit card without a security deposit when you have bad credit. In most instances, your best option is applying for a secured credit card where your credit limit is the same amount as your refundable security deposit. Depending on which card you apply for, it may or may not earn rewards and potentially charge an annual fee. Now, you have another option with Tomo. The Tomo card doesn’t charge an annual fee or require a security deposit, and it also earns 1% back on purchases. This Tomo Credit Card review looks at the various card benefits and how they can help you build credit. Table of Contents What Is the Tomo Credit Card? Who Can Apply? Application Process How does the Tomo Credit Card work? No Annual Fee or Interest Earn 1% Cash Back Reports to Credit Bureaus Weekly Payments No Security Deposit Tomo Credit Card Fees Tomo Credit Card Pros and Cons Tomo Pros Tomo Cons Tomo Credit Card Alternatives Extra Debi...

One of the great things about getting paid via PayPal is that it’s easy to convert your money to cash. Did you know that there are many legit ways to earn PayPal cash? When you visit various sites and complete simple tasks, companies will deposit money right into your PayPal account. To help, we’re sharing information about some of the most popular ways to get paid via PayPal. Of course, there is some effort required. But if you’re willing to put in that effort, you can increase your income and be that much closer to reaching your financial goals.   Table of Contents How to Get Free PayPal Money 1. Swagbucks 2. Fiverr 3. Ibotta 4. Survey Junkie 5. PrizeRebel 6. MyPoints 7. Pinecone Research 8. Receipt Hog 9. InboxDollars 10. Shopkick 11. Rakuten 12. HealthyWage  13. Decluttr 14. Honey Free PayPal Money: Final Thoughts How to Get Free PayPal Money This article will show you ways you can make money via PayPal. I’ll cover the website or company name, ho...

Negative ROI means a loss on investment and it may occur due to several reasons. It is also presented in a percentage term and the formula to calculate is the same as for (positive) ROI. Let’s dive in to know more about negative ROI. What is Return on Investment (ROI)? Return on Investment (ROI) is the measure of gain or loss with an investment. It compares the probability of an investment outcome against the total cost of investment. Simply put, ROI is the measure of gain or loss arising from a project, business, or investment. If the return exceeds total costs, it will show a positive ROI. Else, if the return is less than the total costs, it will show a negative ROI. In other words, when an investor makes money (gains) it is a positive ROI and when an investor incurs losses it will be a negative ROI. ROI is expressed in a percentage term although it can be expressed as a ratio as well. It can be calculated on annualized terms or for the total term of the investment. How to C...

OnlyFans is not a publicly listed company. So, as of now, you cannot buy its stocks. Let us discuss some possibilities of investing in OnlyFans and see what this platform offers to you as an investor and a user. OnlyFans – Introduction OnlyFans is an online content-sharing platform. It is a community-based platform where users can share their content with their fans (followers). It was founded in 2016 in London UK by Tim Stokely. It is still a privately owned company and its headquarter is in London UK. OnlyFans is another social media platform that lets artists, singers, entertainers, and individuals share their content. However, most of its content creators relate to the adult entertainment industry. OnlyFans has been criticized for several reasons including offering a platform for adult and pornographic material. Its financing banks and regulators have also posed reservations about the platform in the past. Can You Buy OnlyFans Stocks in 2022? OnlyFans is a privately held ...