TessMore Finance Blog

A re you looking for a job but think your criminal background may get in the way? It will be a challenge. After all, only around 5% of managers actively consider candidates with criminal records. So it may be time to reconsider your options. Many jobs – some that you may not have considered – don’t require a background check and can be started immediately! Whether you’re interested in traditional or online work-from-home jobs, this blog post will list all the opportunities available to you despite any issues on your record. Start your search today with these no background check jobs! What are Some No Background Check Jobs? These are the jobs we’ve discovered that don’t do background checks: 1. Sell Your Skills on Fiverr Are you looking to generate income despite having a record? It can be done. With Fiverr , you can generate an income without worrying about a background check – meaning any criminal record won’t hold you back from being successful on the platform. Fiverr is an...

T oday I want to explore the best money-making websites. There are very few of us who feel like we make enough money. Earning more can help you pay off debt, get on track for retirement, or you simply diversify your income sources. There are tons of apps and websites where you can start earning part-time money. The ways you can earn extra money are pretty varied, anything from online shopping, filling out surveys and playing games, delivering groceries–even losing weight! If you want to earn money in your spare time, you can find something to fit your schedule and interests. But with so many options, who do you trust? Let’s look at several trusted websites that we’ve vetted: What are the Most-Trusted Money Making Websites? Let’s start by looking at my top three suggestions. The first one is brand new and it turns almost every website into a money making website using cashback rewards. 1. DollarSprout Rewards With DollarSprout Rewards, users can receive instant cashback rewards...

The adage goes, it takes money to make money. Lack of access to capital can be a major problem for small businesses in a variety of circumstances. Maybe you’re just starting out and you have setup or testing costs. Or you’re trying to grow and you need to invest in space or inventory. Or worse, a pandemic hits and you lose customers. As a small business owner, I’ll share what you need to know about seeking a business loan. Determining Your Eligibility There are criteria you need to satisfy before a bank will consider lending to you. You must have a business checking account and show that you keep your business and personal finances separate. You must have been in business for at least two years showing profitability with paying customers . You have to be willing to provide a personal guarantee on the loan so that if anything goes wrong, the bank can come for your personal assets to repay the loan. You also need a reasonably high credit score . If you plan to seek bank loan...

Passive income the old-school way. CDs are back in style. And with some CD rates at 5% , it’s easy to see why. As you know, a certificate of deposit (CD) is a type of savings account that allows you to deposit your money for a set term. The term is usually from one month to several years. In exchange for holding your fund for the entire term, you are guaranteed a rate of return. CDs are often considered a low-risk investment option, as they offer a fixed rate of return and the security of FDIC insurance . But are CDs FDIC insured? The answer is yes , but with some important caveats. Let’s dig into the basics of FDIC insurance and how it applies to CDs (traditional, joint, and brokered). What is FDIC Insurance? Here’s the boring explainer. But it needs to be done. The Federal Deposit Insurance Corporation (FDIC) is an independent U.S. government agency. It provides deposit insurance to protect depositors in case of a bank failure. FDIC insurance covers deposits up to $250,000 ...

It can be tough to find fun birthday ideas. After all, you must consider your budget, the age of the person whose birthday you're celebrating, their likes, dislikes, and more. To help you get inspired, we've compiled a list of birthday ideas spanning all age ranges and tastes. Ready? Let's get started! Fun Birthday Party Themes Below is a list of 10 birthday party themes. The great thing about choosing a theme for your party is that it makes it easier to come up with the rest of the plan, like decorating, food, and games. For instance, having a Fiesta-themed party can include Mexican foods such as tacos, Spanish rice, and a nacho bar. A cinema-themed party can include showing a classic movie favorite. Start with your theme idea and expand it to create an unforgettable party. You might even find a unique gift idea and design your party theme around the gift. For example, if your daughter wants cowboy boots as a gift, a Western-themed party could be an excellent way to...

We are all motivated by different things. I’m strongly motivated by freedom in how I spend my time. I was fortunate that I realized this early on in my career. Whenever job interviewers would ask “what interests you most about this job?” I knew my top answer of “the money” wasn’t going to cut it 😂 and that I had to come up with something far more inspiring. That was the truth though – the money. Money buys you time. And while I didn’t know the term “financial independence, retire early (FIRE)” yet (it wouldn’t be coined until later), I knew that I wanted it. I wanted financial independence. And financial independence is simple – just have more money than you expect to spend in your lifetime! Easy right? Looking back, it does feel a little bit mercenary to just look at jobs as a way to earn, but it meant that I wasn’t motivated by something far more pernicious – status . Status games are dangerous and expensive. If you end up playing against someone in a status game, you run t...