TessMore Finance Blog

I was driving the other day when I heard an advertisement for a service called “title lock insurance” where the “host” was talking to a “title thief” about how easy it was to steal your house. The ad made it sound like it was trivial to forge a deed and file it at the courthouse. As if you just had to scribble a few things down and BOOM, house is yours. Then, get a loan using your new house as collateral and then ride off into the sunset with your ill gotten gains. Then came the scary part – as the scammed homeowner, you would be on the hook for the money and potentially lose your house. But don’t worry, all that can be avoided with a little service called title lock insurance . Get this for your home and you’ll be safe! Fortunately, the host and thief know this service that can help! Surprise! I bet you can tell by my deeply veiled sarcasm that this service isn’t high on my list of must haves. Table of Contents What is Title Fraud? What is Title Insurance? Is Title Fraud ...

From barbecues to baseball games, many people look to take advantage of the nice weather and extra free time during summer months. Not only that, but it’s also the perfect time to pick up a summer job. Summer jobs can be beneficial for just about anyone. Whether it’s your first job or you’re looking to make some supplemental income , spending your summer working is a great way to beef up your resume and earn some extra cash. Of course, you may be asking yourself, “How do I get a summer job?” and “Where do I find one?” We have the answers, as we’ve rounded up helpful tips to teach you how to get a summer job and 30 summer job ideas to inspire you on your search, including: 1. Tutor 2. Camp Counselor 3. Personal Trainer 4. Sports Coach 5. Babysitter 6. Lifeguard 7. Grocery Store Employee 8. Internship 9. Customer Host 10. Retail Sales Associate 11. Dishwasher 12. Landscaper 13. Handyperson 14. Housekeeper 15. Pet Caregiver 16. Receptionist 17. Swimming Pool Servicer ...

What Is the Difference Between a Bull and Bear Market? A bull market is a time of economic success, low unemployment, and consumer confidence. Conversely, a bear market is a time of economic downturn, high unemployment, and reduced consumer spending. If you overhear a conversation about bears and bulls, it might not be about someone’s recent trip to the zoo. In fact, they may be talking about bull and bear markets. After all, 55 percent of Americans invest in the stock market. But even if you’ve invested before, you may be asking yourself, “What is the difference between a bull and bear market?” For an in-depth understanding of the differences between a bull vs. bear market and how these trends affect investment activities, continue reading this guide. What Is a Bull Market? A bull market is a time of economic growth and consumer confidence. During this time, the economy is thriving, and there are low unemployment rates. In a bullish market, you can expect stock prices to inc...

If you’re looking to build, or rebuild, your credit – there are plenty of “services” available. The credit industry is big business, and choosing the right product can be hard. Credit building products are such a service, and sometimes they can help. They all have costs, so it’s important that you use the right ones, or you’ll end up paying for services you don’t need. CreditStrong is a credit builder platform that uses installment loans and savings accounts to help you repair your credit and grow your savings. But with so many other credit builder loans available, how does CreditStrong compare to the others? Is it priced fairly? We can help you figure out if CreditStrong makes sense for you, read on: Table of Contents Who is CreditStrong? How CreditStrong Works CreditStrong Installment Loan CreditStrong Savings Reports to All Three Major Credit Bureaus Personal and Business Loans CreditStrong Plans and Pricing Instal – Build Instal – Build and Save MAGNUM Plans Bu...

The average American household had about $137,900 worth of debt in 2019, according to personal finance company  NerdWallet . But not everyone is able to pay off their debts in full during their lifetimes — in fact, most people in the U.S. won’t. About 73% of American consumers will have some kind of outstanding debt when they die, according to an extensive study conducted by  Credit.com . The last thing anyone wants to think about after losing a loved one is bills and debts. So it’s important to know which debts and loans you may be responsible for, and which ones you don’t need to worry about. Student Loans We’ll start with the good news. All  federal student loans  are discharged — or canceled — if the borrower dies. This means that if you took out a federal student loan that you were not able to fully pay back during your life, the loan will not be passed on to anyone else. Similarly, if your parent took out a parent PLUS Loan to help pay for your ed...

End of life planning  can feel sad and overwhelming. It’s challenging to think about the end and having to say goodbye, but taking the time to prepare ourselves logistically and emotionally makes it easier for our loved ones to navigate the process and helps to provide us peace of mind. Here are some things you’ll want to consider about beginning the end of life planning process.  Put Your Affairs In Order The more information that is organized and prepared before passing, the easier it will be for the executors of your estate to manage the grieving process. There are a few essential steps you’ll want to take to ensure that everything goes smoothly.  Update Your Will If you do  have a will , you’ll want to make certain it’s up-to-date and official so that the people in your life are provided with and you know your wishes will be followed. A will also helps to ensure that there is a point person in your life following up on belongings, estate matters, and more....

In today’s digital World, traditional banking is no longer popular among people. People still visit their respective banks whenever needed. However, most of their transactions are made online. From online shopping to paying utility bills and transferring money to loved ones, everything can be done with a few clicks and taps through an online bank application. Besides online bank applications, there are many dedicated applications for online banking. However, an application that has become popular for all the right reasons is PayPal – One application to securely manage all your transactions. No matter how secure the application is, the chances of getting scammed online are always there. Many PayPal users have complained about unusual activity in their accounts. Even though PayPal is quite a secure application, scammers sometimes still find ways to access your accounts. Do you suspect that someone else is using your PayPal account? You can easily know about that by checking your ...