TessMore Finance Blog

Interest rates on savings and certificates of deposit are at highs we haven’t seen in decades. Just the other day, I saw a CD that yielded over 7% from a small credit union in Michigan. No tricky conditions to satisfy, just deposit cash into a 7-month CD (it had a maximum deposit of $7,000) and collect over 7% APY for your trouble (if you qualified). These “sky high” (ok ok, relatively speaking) interest rates sound almost too good to be true, and a few years ago, when the Federal Reserve set target interest rates at 0.00% , they were too good to be true. The only accounts offering 8 and 9% rates were scammy cryptocurrency websites. But with the target rate so high, getting 5% from a savings account and 6% from a CD isn’t a red flag. It’s normal. (it’s criminal that brick-and-mortar banks can get away with paying nothing in interest) When I saw a fintech company called Save offering “market returns” on a “savings account,” I had to dig deeper. To me, “market returns” means S&P

This is part of our series on IWT’s 4-Day Workweek Challenge, where we take you behind the scenes to show what it’s like for us as we test out a compressed work schedule. The email you’re about to read is written by Tony Ho Tran, a professional journalist for The Daily Beast and a former […] Source from I Will Teach You To Be Rich https://ift.tt/Fig1Xbv

If you’ve been denied credit recently or are in the process of repairing your credit, you may have come across the option to send a 609 letter to credit reporting agencies.  But what is a 609 letter? And can it really help you to clean up your credit or to get a higher credit score?  This article explains how the 609 letter works and shares tips on how to write an effective 609 letter. It also walks you through the steps required to file a credit report dispute. Table of Contents What Is a 609 Letter? What Is Section 609 of the FCRA? Do 609 Letters Really Work? How to Write an Effective 609 Letter How to File a Credit Report Dispute File a Dispute with Experian File a Dispute with Equifax File a Dispute with TransUnion The Bottom Line on 609 Letters What Is a 609 Letter? The 609 letter is a request to a creditor to prove that you asked for the credit in the first place. It’s said to be a loophole to help remove poor reporting from your credit bureau.  How? Because

Some of you really believe that rich people have access to “secret” investments that get incredible returns. Look! 81.7% of people believe that. Well, I’m rich, and I have access to those investments, and unfortunately, 81.7% of people are wrong. Read on to learn why rich people DON’T have access to some secret investment that […] Source from I Will Teach You To Be Rich https://ift.tt/qTVghkM

Do you have a Lowe’s credit card but aren’t sure how to log in to view your account online? Logging into your Lowe’s credit card account allows you to check your balance, view past statements, make payments, manage account settings, and more. In this post, I’ll walk you through the simple steps to log into the Lowe’s credit card account portal to access all of your account information. Whether you’ve forgotten your login info or you’re logging in for the first time, this guide will show you how to get into your account quickly and easily. With just your account number or user ID and password, you can log in and manage your Lowe’s card completely online. Table of Contents Lowe’s Credit Card Login Personal Account Business Account American Express Business Card Lowe’s Customer Service Lowe’s Credit Card Payment Address Lowe’s Credit Card Login There are three different logins based on what kind of account you have – a personal credit card or one of two types of business

When most investors buy shares in a company, they’re doing it to take advantage of future stock returns or because they believe in the company or its products. But one of the lesser-known benefits of being a shareholder is the perks you can receive just for owning stock in a company. Not all publicly traded companies offer shareholder perks, but there are a handful that do, and some are pretty generous. To help you track down the companies who give their shareholders a little something extra, here are 23 of the best stock shareholder perks we could find. You may already be entitled to perks and not even know it. Table of Contents 1. Berkshire Hathaway (BRK) 2. Ford (F) 3. AMC (AMC) 4. 3M (MMM) 5. Rakuten (RKUNY) 6. Kimberly-Clark (KMB) 7. Churchill Downs (CHDN) 8. Lindt (CHLSY) 9. LVMH Moet Hennessy Louis Vuitton SE (LVMU) 10. Crimson Wine Group (CWGL) 11. Whirlpool (WHR) 12. iRobot (IRBT) 13. WeWork (WE) 14. Vista Outdoor (VSTO) 15. SmileDirectClub (SDC) 16. Bloo

This is part of our series on IWT’s 4-Day Workweek Challenge, where we take you behind the scenes to show what it’s like for us as we test out a compressed work schedule. The email you’re about to read is written by Tony Ho Tran, a professional journalist for The Daily Beast and a former […] Source from I Will Teach You To Be Rich https://ift.tt/YC7rxsl

In 2010, I quit my job to work on my first personal finance blog. My job was great. I was a software engineer at Booz Allen Hamilton and was well paid. Our clients were government agencies with multi-year contracts doing very important work. I liked everything about the job except when I had to commute to client sites, which wasn’t often. I quit because I wanted to spend more of my time on a business that was growing and also doing well. I wanted to avoid the regret I’d feel if things went badly and I wasn’t all in. As the business generated cash flow, I would take some of that and built a portfolio of companies that paid dividends . The dividends acted as “income insurance” – my portfolio would pay me even if my business faltered. People invest in dividend stocks for a variety of reasons. Mine was for insurance. That’s just one of the reasons why dividend investing is so appealing – people love cash flow. Dividends aren’t the answer to every question but here are a few reasons w

The Oxford Communiqué  is a budget-priced investing newsletter that costs as little as $49 per year. At approximately half the cost of competing products, The Oxford Communiqué is an affordable way to get access to multiple model portfolios with different risk tolerances. Casual stock pickers and those with other newsletter subscriptions can benefit from this service too. However, before you subscribe, it’s worth asking if joining the Oxford Club is worth it. As an active subscriber, I share my insights about the member perks and how to get the most from your membership in this Oxford Communiqué review. Table of Contents What Is The Oxford Communiqué? Oxford Communiqué Pricing 365-Day Satisfaction Guarantee Oxford Communiqué Key Features Monthly Stock Pick Model Portfolios Pillars of Wealth Special Reports Member-Only Events Is Oxford Communiqué Legit? Who Should Join Oxford Communiqué? Oxford Communiqué Pros and Cons Pros Cons Alternatives to Oxford Commun

Otto Insurance is an online insurance lead generator that uses your personal information to match you with insurance companies that can offer you free quotes. Otto is not a direct insurance provider, nor is it an insurance broker. Therefore, you’ll obtain quotes and policies directly from actual insurance providers. But Otto is a fairly new company, and there’s not much information about Otto available online, leading many to wonder whether they are legit. There are also a large number of complaints about Otto appearing online , most of which deal with ongoing solicitations from participating providers. While this is not unusual for an online insurance marketplace, it’s worth noting. In this Otto review, I’ll explain how the platform works and share the key features, pros and cons, as well as a few Otto alternatives. Table of Contents What Is Otto? How Does Otto Work? Otto Advantages Otto Drawbacks Pros and Cons Pros: Cons: Otto Insurance Alternatives  SelectQuote