TessMore Finance Blog

Your credit score indicates your creditworthiness. It’s a number that tells creditors your level of risk. Many businesses, including insurance companies, phone companies, credit cards, and loan and mortgage providers, review your credit score when determining if they should issue you a policy, loan, or service—along with the rates and terms you’re eligible for. The higher your number, the less risky you are, meaning you have a better chance of receiving approval. Your credit score is one of the three key factors that determine your overall financial health . That’s why it’s important that you always have a general idea of what your credit score is. But how do you check your credit score? Checking your credit score isn’t as challenging as it may seem, and once you know how, the process becomes faster and easier each time. Several methods are available for checking your credit . Review the options below to determine which one makes the most sense for you. In this chapter, we’ll be goi...

With housing prices increasing across much of the U.S., you might think it’s nearly impossible to find affordable housing. However, if you’re flexible with where you can live, you may want to consider homesteading on free land. Even in the 21 st century, communities are willing to give away land for free or at dirt-cheap prices. Homesteading has been a popular concept since the Homestead Act of 1862 . But instead of packing up your wagon and heading west across the prairie, you can rent a U-Haul and drive to your new property. This guide will show you how to get free land in the United States and start life’s next adventure. Table of Contents Why Do States Offer Free Land? How to Get Free Land in the United States Consider Rural Areas Compare Lot Sizes Estimate Long-Term Expenses States with Free Land Colorado Illinois Iowa Kansas Minnesota Nebraska New York Texas Free Land Scams No Federal Homestead Programs Must Speak With City Leadership Requires Build...

Ally bank issues cashier checks at no fees within 7-10 working days. To get a cashier check from Ally, you can contact them on this number: 1-877-247-2559 Ally bank has a competitive advantage of not charging any fees for a cashier check over its competitors like Wells Fargo, Citi Bank, and Bank of America which charge $10 for this service. However, its services are delayed as compared to other banks that issue cashier checks in the shortest span of time. Procedure for getting a Cashier Check Following are the requirements and procedures followed by most institutions for selling cashier checks. If you are purchasing a cashier check from a bank where you don’t have an account, it is advisable to call before visiting the branch to learn about their non-customer service. If you are a member, then you can directly visit the branch or buy a cashier check online. You must have accurate information about the payee’s name, check amount, and identification documents. You must have adeq...

Introduction Banks generate different kinds of checks to facilitate money transfer and make payments more secure than ever before. Among these checks, there are two checks that the bank can issue one is a banker check and the other is a cashier check. Both checks are used to make secured transactions. Cashier’s check is an official check signed by the cashier or teller of the bank. It’s considered secured because this check is purchased with cash or by bank account debit. Hence, receiving party feels more confident about receipt of the payment. Normally, these checks are used to purchase real estate property and other transactions involving big payments. While banker check is a banker’s draft that writes a check for you. A banker’s check works so that you give your money to the bank and the bank gives you the check. You can use this check for making payments to the individual or any other entity you owe to pay. Cashier’s checks work to draw the funds from the bank’s funds. Bank ...

As the trend towards alternative social media apps is rising, people are looking out for investment opportunities here. Many people have their eyes on Clouthub’s stocks as the rising star. Unfortunately, Clouthub does not issue publicly traded stocks yet.  It is still early to say if Clouthub will release an IPO in the future or continue to receive finances from its private investors. Therefore, one should stay updated regarding Clouthub to not miss any chance. Clouthub stocks and Finances Like every other company, Clouthub also required finances to carry out its business activities like setting up infrastructure, creating a website and app, advertisements and promotions, and developing the latest technologies and solutions. The Clouthub startup is privately backed by investor/s. Since its formation in 2018, Clouthub has raised its finances two times in three years. In the first round, known as the Funding Round, it secured an investment of $1 million from October 2018 t...

With the increasing popularity of remote work, many people are reconsidering where they choose to live. While historically people have been tied to a particular geographic location due to their employer, that is less and less the case in 2022.  Looking to capture a portion of these remote workers, many locations are starting programs that will pay you to either move there or visit. Here’s a look at some of the options: Places that will pay you to move there in 2022 Here are six places in the United States that are offering up to $10,000 (or more) to move there in 2022. Tulsa, Oklahoma — Tulsa Remote offers a $10,000 grant upon purchase of a home. Northwest Arkansas — $10,000 in either cash or cryptocurrency for living in either Benton or Washington counties for at least twelve months Hamilton, Ohio — Up to $10,000 to repay student loans if you’ve graduated in the past seven year from a STEAM program West Virginia — fueled by a $25 million grant from former Intuit C...

Time passes quickly, and it can be easy to misplace important documents, like 401(k) details from a previous employer. Yet, these funds are vital to retirement planning and calculating your net worth . Or, perhaps you’re the surviving spouse or child trying to track down an estate benefit. Thankfully, not all hope is lost. Here are the steps you can follow to find an old 401(k). Table of Contents 1. Contact the Plan Provider 2. Ask Your Former Employer 3. Look Up Form 5500 4. Check Unclaimed Property Databases What To Do with Your Old 401(k) Rollover IRA Convert to a Roth IRA Consolidate 401(k)s Keep Your 401(k) (But Update It) Cash It Out Summary 1. Contact the Plan Provider Start your search by visiting the website of the 401(k) plan provider. You may be able to provide your name, birth date, and email address to reset your login information. This process may also require contacting customer support to verify your identity and complete any additional steps. Here ...

With inflation and prices rising at gas pumps, grocery stores and everything in-between it’s more important than ever to track your spending. While it may sound like a daunting task, tracking expenses is easier than you might expect – especially with the help of apps like Mint.  The most important thing to remember about expense tracking is that it helps you identify ways to save and can help you avoid negative financial situations. Let’s make that first smart money move together by discussing how to track spending:  What is an Expense Tracker? An expense tracker can come in many different forms, and the one that is best for you depends on how you learn and how you spend money. At its simplest, expense tracking can be just writing down your expenses on a piece of paper. The classic “ envelopes of cash ” system is another way to track expenses.  But in an increasingly digital world, many people find value in an expense tracker that is connected to your bank and credit ...

An allowance can be an amazing way to start teaching your children about money management . However, there’s debate when it comes to how much allowance to give, when to start giving an allowance, and whether the amount of allowance for kids should be tied to chores. Not to mention, some parents don’t believe in allowances at all. So, we wanted to learn more about when and why parents start giving their kids allowances. So, we surveyed 1,000 Americans to find out what parents think about giving their children an allowance, how they determine allowance amounts, and whether allowance should be given just like their love—unconditionally—or earned based on behavior. Key Findings: 65 percent of parents think children should be given an allowance by the time they’re a teenager More than half of parents believe allowances should be earned through chores Around 1 in 4 parents believe in paying fixed allowance amounts each week Nearly 1 in 7 people don’t believe in allowances Before...