TessMore Finance Blog

I recently discovered a new fintech company called Current . It’s a neobank with a compelling offer: Get $50 when you receive a paycheck of at least $200 within 45 days, plus, Earn 4.00% APY on up to $6,000 of your savings in their “savings pods.” The Current cash bonus is nice (there are better offers on our bank bonus page ) but when you pair it with a safe way to earn 4.00% APY – it starts to become a compelling place to stick your emergency fund. So, if you’re looking for a simple easy to use online financial app with a great yield on your savings account, Current may be for you. While it doesn’t come with a lot of bells and whistles it has all the core features you’ll need in an account and aims to make money management easier. In this Current review, we’ll show you exactly what the Current app can and can’t do for you, and how it can make working with your money easier: Table of Contents Who is Current? The Current Personal Account The Current Teen Account Openi

Time is money and we want to save you both with these new categorization features! These include Venmo & Zelle transactions, advanced recategorization rules, and bulk edit for Android with an increased focus on customization to help you better manage your money! Here’s how you can better personalize your Mint app, today: Venmo & Zelle Categorization Did you know that the Mint categorization model can read the transaction description and categorize Venmo and Zelle transactions for you when possible? (Think: coffee, rent, etc) So when you Venmo your friends and family for those everyday necessities, Mint will catch it, and categorize it correctly!  Recategorization How to get started:  Click on any transaction Select “category” Select correct category Select “Apply to all transactions” to create a rule for this merchant going forward and for the existing transactions that match this rule Update description if needed (add the merchant name) Select “Apply to all transac

Remote work offers the flexibility of working from anywhere in the world as long as you have a reliable internet connection. Telework jobs have been popular for people who love to travel, care for a family member, or want a more fulfilling career. The best remote work websites can help you avoid work-from-home scams and find the right job with competitive pay in your niche. Below, we’ve compiled a list of the best sites to find remote work. Ready? Let’s dive in! Table of Contents Best Sites to Find Remote Work FlexJobs Remote OK Goodgigs We Work Remotely SkipTheDrive Fiverr Upwork Crossover Career Vault Virtual Vocations Hubstaff Talent Working Nomads Dribbble ProBlogger Home With the Kids Idealist Jobspresso Authentic Jobs Ruby Now Remote Work FAQs The Bottom Line on Remote Jobs Best Sites to Find Remote Work The following online platforms let you find openings with well-known companies and individuals hiring full-time and part-time employees and contra

How Does Trading in a Financed Car Work? You can always trade-in your financed car even if you haven’t paid off the full loan. Trade-in deals are lucrative but costly options. Let us discuss some key factors that can help you get a good trade-in deal for your financed car. How Does Trading in a Financed Car Work? You can trade in a car even if it is purchased with a loan. Trading in a financed car is possible in most cases but there are several factors that you should consider. The general process of trading in a financed car involved finding a dealer that offers the trade-in option and transferring the ownership to the dealer. From here on, the dealer will pay off the remaining payments of the loan after receiving the equity difference from you. A car dealer will usually need the following information from your side: Car loan details including your account number Vehicle registration Driver’s license Car insurance details Details of trade-in option Your car with key

Full insurance coverage is required for leased or financed cars in most states and by most lenders. Although it is not a legal requirement, you may need it when financing a car. Let us discuss what is the full coverage and when you need it. What is Full Coverage Car Insurance? Full coverage car insurance comprises different types of primary insurance plans. The term full coverage does not refer to a single insurance policy itself. Some types of car insurance are primarily required by law in most states throughout the US. Then, there are some additional insurance types that car owners can use to build full coverage. Minimum Insurance Coverage The minimum insurance coverage is the liability car insurance plan. It is the basic insurance plan that is required for all types of cars. Most states require a liability car insurance plan by law. Whether you buy a new or old car, the car is financed or leased, or you’ll need a liability car insurance plan. The liability car insuranc

Risk behavior defines the characteristics of an investor. The risk behavior can be closely linked with the personal behavior of investors. However, many other factors also influence and shape risk behavior. Let us discuss what is risk behavior, risk aversion, and different types of risk profiles. What is Risk Behavior? Risk behavior refers to the behavior or response of investors when dealing with investment risks. We can broaden the concept from investment risks to financial risks, business risks, and any other type of economic risk. The behavior (risk management) is the way an investor would prepare, implement, and respond to unexpected outcomes. Risk is the unexpected or unwanted outcome that differs from the expected (or calculated) outcome. Therefore, risk behavior is the treatment of the risk in different ways. Fundamentally, the higher risk is associated with higher returns in finance and lower risk with lower returns. However, there is no assurance of higher returns

New financing does have an impact on your credit score. It can help you improve your credit score as well as harm it. Let us discuss how new financing affects your credit score and which factors are critical for you. Does Financing Affect Your Credit Score? New credit financing does affect your credit score. It may have a positive or negative impact as several factors count towards your credit score. Even when you do not qualify for a new loan, you may see a drop in your credit score due to several hard inquiries. When you are utilizing the loan or credit amount previously unutilized, it does not account for new financing. It will not have an impact on your credit score unless it drastically changes your total credit utilization rate. New credit is only when you apply for a new loan or mortgage. For example, if you apply for a new credit card, a new home line of equity, or a new auto loan, it will be considered new financing. Now let us consider two scenarios where new fin

There are minimum car insurance requirements in every state. Financed cars also require these minimum insurance plans. Then, there are a few optional or add-on insurance plans that protect financed cars in different situations. What is Car Financing? Car financing means buying a car with borrowed money from a lender. You do not pay the full car price upfront in cash. Financing a car incurs interest charges. The lenders require compensation against the money they lend you to buy a car. You pay in monthly installments over the finance term. Different types of car financing programs cost differently. The total cost of a car financing program depends on several factors including: Your Credit Score Your Monthly Income Car Price Market Interest Rate Finance Term The lenders will own the car until you repay the full car amount. The lender can be a car dealer, a bank, or a credit union. When Financing a Car, What Insurance Do I Need? Since you do not own a financed car, len

The following steps can be followed to obtain a cashier check or certified check from BB&T online. Visit the BB&T website then login to your online banking account. Go to Accounts and select your particular account. Go to Manage Account and select ‘Order Checks and Supplies.’ You can select your desired check from the available options and then provide the pre-requisite information. You will also need to mention your social security number, date of birth, address, ID, and opening deposit to authenticate your identity. The cost of shipping is also incurred in this case. Comparing the fee charged by the top ten banks of America, we observe that the fee charged by BB&T for cashier checks is similar to what its competitors charge, so it does not have a competitive edge in this aspect. The Bank of America, Wells Fargo, Citi Bank, PNC Bank, and Capital One charge $10 and so does BB&T. While Chase, US Bank, and TD Bank are somewhat cheaper demanding $8 and $7 for a f

Yes, there are a few lenders from whom you can avail of this offer if you meet certain criteria and follow the guidelines presented in this article. Let’s understand the concept and how it can be achieved. 100% financing on a mortgage means the borrower does not need to make a down payment for financing. It’s only available for borrowers with a good credit score as there is a higher risk for the lenders. Sometimes, lenders may also charge a higher interest rate as the overall risk is higher for approving this type of financing.    Ways to obtain 100% financing on a mortgage Following are the 5 main options available for obtaining a 100% financed mortgage . 1. USDA (United States Department of Agriculture) Loan USDA is also known as a rural development Loan and the US government sponsors this loan to promote homeownership in rural areas. USDA provides 100% financing on mortgage loans to those who meet the following criteria: You should have a credit score of 620 or above