TessMore Finance Blog

When you first start making money, there are a lot of tools and services you can pick from. The market is huge so there are a lot of companies competing to be your budgeting tool or your investment tool. As your net worth grows, the number of tools and services begin to shrink. One big reason is because situations get more complex. For example, new investors generally stick to the basics – robo-advisors and brokerages. Those link up nicely with tools like Personal Capital through Plaid. As your investment universe expands, many platforms don’t integrate nicely. Some don’t have integrations at all. That’s when a paid service and tool like Vyzer makes sense. If you’re doing a lot of your money management by hand because there are no tools that integrate with the accounts you have – Vyzer may be the solution. Table of Contents Who is Vyzer? Vyzer Features Portfolio automations Cash flow planning Wealth management Vyzer Pricing Vyzer Sign Up Experience What Assets Can V...

When it comes to building your wealth and planning for your  financial future , investing is one of the best decisions you can make.  The benefits of smart investing are plentiful. When done strategically, investing can allow you to  outpace rising inflation  and build wealth on your own terms. Additionally, good investments can generate earnings when they’re reinvested, allowing your initial investment to compound over time.  All this is to say that the  benefits of investing  can be profound, provided you do your homework ahead of time and maintain awareness of your budget and the riskiness of the investment.  The list below highlights the best investments for 2023, mixing both long and short-term investments as well as the varying levels of risk for each. While other solid investment options exist, these 15 investments take into account rising inflation and interest rates while providing options for both high- and low-risk investors.  ...

Zelle is one of the top money transfer apps , allowing you to send money to family and friends directly from your bank account. But did you know that Zelle limits vary from one financial institution to another? In fact, the variation from one bank to another can amount to thousands of dollars per day or month. The following table lists the daily and monthly Zelle Pay limits for 15 major banks and one large credit union: Bank Daily Limits Monthly Limits Ally Bank $500 $10,000 Bank of America $3,500 $20,000 Capital One $2,500 $10,000 Chase $2,000 $16,000 CIT Bank $600 Not disclosed Citi Varies by account, $500 to $5,000 Varies by account, $2,500 to $20,000 Citizens Bank $1,000 $5,000 Discover Bank $600 Not disclosed Navy Federal Credit Union $1,500 (instant), $3,000 (1 to 3 business days) $3,000 PNC Bank $1,000 $5,000 Regions Bank Varies based on your funding account, recipient, and transaction history for each recipient Sam...

Every year, I give this list a mini-refresh. Sometimes I add an item. These are moves that are important but not urgent. Requesting a credit line increase is not something that will change your financial life… but it can make it easier. When you find yourself with some downtime after the New Year and you want to make some small “spring cleaning” types of moves in your finances, check out the list below for some ideas. Bookmark it. Email it to yourself in the future. Save it for later. Here are the spring cleaning money moves I recommend for 2023: Go paperless Review your Recurring Expenses Request a credit line increase Simplify your finances Update your financial documents Rebalance your investment portfolios Check your credit report for errors Shred old financial documents Price shop major fixed expenses Opt out of data collection sites BONUS TIP: Check MissingMoney.com You can do way more than what's on this list, it is by no means exhaustive, but these are th...

It’s always a nice perk to earn cash back on purchases. But for years, cash back rewards were limited to credit cards. That’s no longer the case. Nowadays, several financial institutions include cash back rewards on debit card purchases. This is ideal if you prefer to use debit cards for spending. Cash back debit cards offer the same benefits as cash back credit cards , without the risk of taking on high-interest debt. But where can you get a cash back debit card, and is there a catch? To help, I’ve compiled a list of the best cash back debit cards. You’ll find offerings from online banks and a couple of national banks , including Bank of America. Table of Contents 6 Best Cash Back Debit Cards 1. Axos Bank 2. M1 Finance 3. Bank of America 4. Truist Delta SkyMiles Debit Card 5. Empower 6. LendingClub The Bottom Line 6 Best Cash Back Debit Cards When using cash back debit cards – or cash back credit cards – it’s important to be aware of the card’s terms and condition...