TessMore Finance Blog

Though they all may just look like a piece of plastic, not all credit cards are the same. For example, there are secured credit cards and unsecured credit cards. But how are they different beneath the surface and how do you choose a secured vs. unsecured credit card? So what’s the difference between a secured and unsecured credit card? In this post, we’ll help you find out. Keep reading to learn more about the pros and cons of each and how to choose between them. What Is a Secured Credit Card and How Does It Work? A secured credit card is a credit card that requires a cash deposit—or security deposit—as collateral to open the account. Once you’ve deposited the required cash, you can use a secured credit card anywhere a traditional unsecured credit card is accepted. If you have a low credit score or no credit history, you’ll probably start off with a secured credit card. Similar to an unsecured credit card, you’ll be billed monthly for how much you spend in a time period. If you

Binance is a leading cryptocurrency exchange but it is currently unavailable in Texas. So, if you live in Texas and want to trade cryptos, you’ll have to search for alternatives. Let us discuss what are some popular options for you other than Binance in Texas for trading cryptocurrencies. Is Binance Allowed in Texas in 2022? Binance is not allowed in Texas state currently. The state of Texas had banned Binance and a few other cryptocurrency exchanges. Binance was launched in the US in 2019 and it initially offered six crypto assets. However, Binance is available in several other states but it is banned in the following states: Hawaii New York Texas Vermont Please note that Binance and Binance.com are two different entities. Earlier, Binance.com had banned US citizens from using its platform. The Binance trading platform is available now for US citizens except in the four states listed above. It was launched with the local partnership of BAM trading in the US . Why Binance

With millions of transactions and millions of customers worldwide, eBay is one of the largest e-commerce platforms. It is inevitable that customers will find faulty or damaged products. Some buyers may change their minds and want a refund anyway. Here is your guide on how you can use the eBay moneyback guarantee to get a refund from the seller. eBay – Introduction eBay is an American auction site where consumers can buy and sell different types of items. It is an established e-commerce website having millions of users. The company operates in 190 markets around the world and offers a wide range of new and used products as well as auctions and unique items. eBay allows business-to-consumer and consumer-to-consumer sales. As of the first quarter of 2022, eBay recorded a gross merchandise volume of $ 19.4 billion. The company reported it has 142 million active users as of Q1 in 2022. These are staggering stats by any means. However, a large volume of sales also means there are ret

Coinbase – Introduction Coinbase is one of the leading cryptocurrency exchanges in the world. It is a US-based cryptocurrency exchange offering a wide range of crypto assets to its customers. Coinbase offers cryptocurrency buying, selling, trading, staking, and storing services to name a few to its customers. The company offers these services to individual and corporate customers. Some other services offered by the company include NFT, Crypto cards, trust services, and lending services. Coinbase is an FDIC-insured company with protection of up to $ 250,000 on USD balances to its customers. It offers around 150 currencies for trading under its conventional trading platform. The company offers two trading platforms Coinbase and Coinbase Pro. The latter comes with additional features and more trading options for its customers. The company is renowned for its intuitive trading platform, excellent customer support, and comprehensive range of educational material. Coinbase Fee Structu

One of the most debated topics for students in the finance sector is to choose between the CFA and MBA degrees. Both these programs offer different types of benefits and limitations. CFA is cheaper and intensely inclined toward investment analysis and finance. While MBA is a generalist degree with more career opportunities other than finance as well. Let’s dive in to know more about these two programs and see which one is the right fit for you. What is CFA? CFA stands for chartered financial analysts and is a chartered designation awarded by the CFA Institute. Students need at least 300 study hours per tier and a work experience requirement to earn the designation. It costs around $ 5,000 to complete three tiers 0r charter levels. CFA is recognized by 30 countries around the world. Some other institutes may award a parallel degree as well. CFA requires self-study but can be achieved through regular tuition at an accredited educational institute from the CFA institute as well.

The science behind NFTs is simple: you create a piece of art, “mint” it (the process of converting the designed artwork into an NFT on a blockchain platform), and then market it. But the first step is often the hardest, and artists/creators often get confused regarding how much does it cost to create an NFT ? The answer is right here: The overall cost of creating an NFT (minting it on a blockchain) depends on various factors. This includes blockchain charges (account fee, gas fee, listing fee), NFT features (size, quality, format, versions), and also on which day and time are selected for minting an artwork into an NFT. Because these factors constantly vary, it is safe to say that the overall creation cost of an NFT can range anywhere from $1 to $500. Also, the price range is estimated and can increase per the demand, the complexity of NFT artwork, and blockchain fees. Sounds exciting? Let’s dive deep into the world of NFTs in the guide below and explore more about the costs associa

I use Avail to manage my two rental units. Here’s my full review… R ental properties are a great passive income source. Not many will disagree with that. Leasing out units is a fairly low-effort side hustle that can scale as you wish. If you’re after passive income, like me, chances are you’ve considered investing in real estate . But not everyone pushes through. Oftentimes, the issue people have with owning rental property is property management. And we’ve all heard the horror stories of tenants not paying rent, damaging your property, or the difficulties of finding tenants to begin with. These hassles are enough for budding investors to give up on real estate altogether. The platform “Avail” ( Avail.co ) offers a solution. Their goal is to level the playing field by helping individual landlords mirror the property management capabilities of large investors. But is listing your property with them worth your time, or are there better alternatives? I think Avail is the best pro

Have you heard of this latest TikTok “craze” called cash stuffing ? The term is new but the strategy isn’t – even if you’ve never heard of cash stuffing, chances are you’ve heard of the strategy. It’s been around for ages and it’s a solid approach, it just hasn’t gone viral because no one came up with a clever name. Table of Contents What is Cash Stuffing? What are the benefits of Cash Stuffing? What are the drawbacks of Cash Stuffing? Is Cash Stuffing Worth it? What is Cash Stuffing? Cash stuffing is a catchy name for envelope budgeting . Envelope budgeting is where you budget with the use of envelopes to represent different categories of expenses like groceries, dining out, “fun money,” gifts, debts, and more. You should also include envelopes for saving like for a sinking fund or retirement or future needs, like a car. It’s meant to cover expenses that tend to change from month to month, not fixed expenses like your rent or mortgage. As you get paid, you take the cash

Many personal finance apps specialize in specific tasks like saving money, earning a high-interest rate, paying bills, and potentially earning spending rewards. Finding one platform offering both banking and investing accounts can be challenging. That’s not the case with Albert . Albert can help you save, invest, and receive hands-on financial guidance with a single app. This Albert app review dives into the various features that can help improve your finances, potentially for free.   Table of Contents What Is Albert? Albert Pricing Albert Genius   Best Albert Features Albert Cash Albert Savings Cash Advances Albert Investing Albert Genius Albert Pros and Cons Pros Cons Albert Alternatives Digit Cash App Acorns Truebill Current FAQs Final Thoughts on Albert What Is Albert? Albert is a personal finance app for Android or iOS devices powered by Sutton Bank, a member of FDIC. You can open an FDIC-insured savings account (up to $250,000 in coverage)