TessMore Finance Blog

Part-time employees of Walmart enjoy several medical and financial benefits that full-time employees get. However, as with any other organization, most of the perks are entitled to full-time employees. Let us discuss what Walmart’s hourly pay rates and benefits are with current offers for part-time employees. Walmart Part-time Employees Walmart part-time employees or part-time associates are those who perform partial duty hours for the company in different roles. Part-time associates differ from contract employees who may or may not work full-time. They are also categorized differently from hourly paid workers. Your job contract will state the exact job title and contract type. It will also specify your job entitlements and employee benefits. For example, part-time employees at Walmart are eligible for medical plans and health insurance coverage plans. However, part-time employees are not eligible for some dependent coverage plans in medical, dental, and vision plans, and crit...

Asset-backed securities are those financial instruments that derive their value from one asset or a pool of assets held by the issuer. Usually, we refer to bonds or notes comprising different types of debt and loan instruments repackaged and sold in the market to the investors. Let us discuss asset-backed security, how it works, and its different types. What is an Asset-Backed Security? An asset-backed security is a type of investment issued by a special-purpose entity using pooled assets through a process known as securitization . Asset-backed securities are normally issued against different types of loans issued by a financial institute . A new entity is created to securitize these loans into a pooled set of assets and sold to investors. Assets owned by the issuer institute back the securities issued through this process. Loans and mortgages are assets of banks and private lenders. Commonly used assets for these securities include home mortgages, home equity loans, auto loans...

I started investing when I was 18. My dad told me about Roth IRAs and we opened an account at Vanguard, which is the broker he used. Back then, commissions on stock trades were exorbitant. I don’t recall what I paid but I wouldn’t be surprised if it was something like $15 a trade. As a beginner investor with very little money, I couldn’t afford $15 a trade. It was doing the dot com boom so every technology stock was doing great so $15 a trade didn’t seem all that bad. Eventually, after being lightly toasted on a few stocks (any JDS Uniphase fans out there!?), I just put it all into the Vanguard STAR fund ( VGSTX ) because it had a $1,000 minimum. When you’re just starting out, you want an easy to use interface, low or no commissions, no fees, and the willingness to avoid the complex stuff that’s out there. That includes complex financial instruments and complex tools that will only confuse you. Table of Contents What We Looked For Best Online Stock Brokers for New Beginner In...

Have you ever wondered how much money YouTubers make? Chances are, you’ve heard some astronomical numbers floating around. While there are YouTubers who make huge money, it’s certainly not the case for the vast majority. Of course, a YouTuber’s actual dollar amount depends on audience size and other factors, such as the revenue paths each YouTuber chooses. This article will give you ideas about how much you can make as a YouTuber, where that income might come from, and some of the best ways to grow your YouTube audience.   Table of Contents Who Can Make Money on YouTube? How Do YouTubers Make Money? Video Ads through Adsense Affiliate Links Merchandise  Product Sponsorship What Are YouTube’s Monetization Requirements? How Much Does YouTube Pay Per Video View? How Much Does YouTube Pay for 1,000 Views? How Much Does YouTube Pay for 100,000 Views? How Much Does YouTube Pay You for 1 Million Views? How Much Does YouTube Pay Per Subscriber? How Can...

Today, the Get Rich Slowly summer of books concludes with an excerpt from Cashing Out: Win the Wealth Game by Walking Away from Julien and Kiersten Saunders. Julien and Kiersten are the power couple behind the rich & Regular blog and YouTube channel . The following excerpt from Cashing Out (published by Portfolio/Penguin) is used with permission. Copyright © 2022 by Rich & Regular LLC. This passage has been edited to be more readable on the web. Dr. Sue Johnson is a clinical psychologist who specializes in emotionally focused therapy. She says that when couples fight (regardless of the topic), they're doing a dance. One partner makes a move, and the other one responds accordingly. She insists the dance is always the problem — not you, not me, not us — and not the topic. By focusing on the dance, we can shift our focus and look at our interaction patterns whenever there's an issue. The rhythm of one person responding to the other person's moves is what ultim...

You may be familiar with buy now, pay later sites. Instead of paying cash upfront, they allow you to pay in installments when you buy everyday items like clothing, electronics, furniture, and more. One such company is Fingerhut, a catalog and online retailer that’s been around since 1948. But Fingerhut isn’t the only retailer offering buy now, pay later arrangements to customers. In this article, we’ll explain precisely how Fingerhut works and share some popular Fingerhut alternatives so you can make an informed decision about using buy now pay later sites. Table of Contents What Is Fingerhut? How Fingerhut Works 8 Fingerhut Alternatives 1. HSN 2. Venue 3. Ginny’s 4. Stoneberry 5. Country Door 6. The Swiss Colony 7. Midnight Velvet 8. Seventh Avenue Fingerhut FAQs Why should I Use a Site Like Fingerhut?  What Is Fingerhut? Fingerhut has been selling mail-order goods to consumers since 1948. Nowadays, they sell items not only through their catalog but also on...

When Bank of America acquired Merrill Lynch in 2009, its investment arm was renamed Merrill (dropping the Lynch). Merrill itself is a Bank of America company with three investment options – Merrill Edge Self-Directed, Merrill Guided Investing, and Merrill Guided Investing with an advisor. If you’re interested in opening a Merrill Edge Self-Directed account, there are some juicy bonuses available if you are able to deposit a sizable chunk of cash into the account. For many brokerages, this method is the best way to get extra cash to try out a new brokerage. Table of Contents How to get up to $750 from Merrill Edge Merrill Edge Commissions & Fees How does this offer compare? How to get up to $750 from Merrill Edge The bonus is routine if you’re familiar with brokerage bonuses. Open a new Merrill Edge account with the promotion code 750ME and then transfer in new net assets within 45 days. These have to be new to the Bank of America ecosystem – so it can’t come from o...

Your credit card options are slim when you have a limited credit history or bad credit. Unlike many credit builder products, the Destiny Mastercard is an unsecured credit card that lets you build credit with the three major credit bureaus. In this Destiny card review, I’ll cover the pros and cons, and let you know why I think it’s worth considering, especially if you don’t want to set aside cash for a credit card security deposit. Table of Contents What is the Destiny Mastercard? Who Can Qualify for the Destiny Card?  Destiny Mastercard Fees Best Destiny Card Features Builds Credit No Security Deposit Easy Prequalification Low Credit Requirements Destiny Card Drawbacks High Fees Low Credit Limit No Future Credit Limit Increase No Rewards Program Destiny Mastercard Alternatives Chime Credit Builder Self Credit Builder Sable Extra Petal 2 Visa Card Destiny Card FAQs Destiny Mastercard Summary What is the Destiny Mastercard? The Destiny Master...