TessMore Finance Blog

Attention all new entrepreneurs! Are you looking to take your business to the next level? Look no further than Square, the leading provider of payment and point-of-sale solutions for businesses of all sizes. As a proud affiliate partner of Square , I’m excited to announce that I’ve been given an exclusive promo code for 20% off Square hardware to share with my readers. Promo Code: PTMSquare Head to Square’s website and enter the code at checkout. What does this mean for you? With this promo code, you can save 20% off the cost of one of Square’s popular hardware options, including the Square Terminal, Square Register, Square Stand, Square Stand Mount, or Square Reader for contactless and chip. Whether you’re just starting or looking to upgrade your current setup, this is an excellent opportunity to save on the necessary equipment to run your business smoothly. Here are some of the hardware options available through Square: Square Terminal: This all-in-one device lets you take ...

A s a freelancer, you probably dread the end of the month. You have to take care of all the administrative tasks that have been piling up over the last few weeks — including sending out invoices for your work. If trying to get paid every month feels like a chore, it’s time to improve or upgrade your process (goodbye creating invoices in word processing software!). But if looking for a new solution sounds like about as much fun as maintaining the status quo, don’t worry. We’ve got you covered. Read on to see the best freelance invoice software on the market today. The Best Freelance Invoice Software Best Customer Service: Square Best Budget-Friendly Option: Wave Best Onboarding Process: QuickBooks Best Free Resources: FreshBooks Best Standalone Solution: Invoicely Best App Integrations: Xero 1. Square Best Customer Service Square won for best customer service because it’s one of the few invoice software options that offer phone support. Customers can call 12 hours a day, ...

Allowing your children to use debit cards is a great way to teach them how to manage money as they approach adulthood. They can learn to make deposits and withdrawals, set aside money for savings, and plan their spending. What you don’t want is to have to pay fees. Thankfully, there are several banks that offer debit cards specifically for kids to use with their parents. In this article, I’ll share with you ten free debit cards and a few low-cost paid options that you may find are worth the cost.   Table of Contents Free Debit Cards for Kids and Teens 1. Axos First Checking 2. Capital One MONEY Teen Checking 3. Fidelity Youth Account 4. Alliant Credit Union Teen Checking 5. Chase First Banking 6. Current Teen Banking 7. Mazoola 8. Step Banking 9. Till Financial 10. Nationwide First Checking Top Paid Debit Cards for Teens Greenlight GoHenry FamZoo Busykid Summary Free Debit Cards for Kids and Teens The following bank accounts and debit cards have thre...

As rates creep upward, in part because of the Federal Reserve raising interest rates, we’re starting to talk about how savings accounts may one day offer 7% APY. Is that day today? As of April 5th, there isn’t a single bank that offers 7% APY on a savings account. The highest we’ve seen is in the 5% range. There is, however, one credit union but there is a big catch. Table of Contents Landmark Credit Union – 7.50% on up to $500 UFB Preferred Savings – 5.02% APY When Will We See 7% Interest Savings Accounts? Watch CD Rates for Clues Landmark Credit Union – 7.50% on up to $500 Landmark Credit Union offers a Premium Checking account that offers 7.50% APY on balances up to $500 – that’s it. The catch is the low amount, plus it requires electronic statements and direct deposit of $250+. It’s a lot of requirements just to get a high interest rate on such a low dollar amount. ⚠️ On balances above that, you earn 0.11% APY – which is terrible . If you have a balance above that, y...

There are close to 600 million people today who classify as an entrepreneur. This is a type of business where you’re responsible for keeping your own records and handling your business finances. If you use a vehicle to get around at any point in your line of work, you are eligible for being partially reimbursed.  […] The post IRS Mileage Rate 2022/2023 appeared first on I Will Teach You To Be Rich . from I Will Teach You To Be Rich https://ift.tt/tESGATB

Have you ever calculated how much your time is worth? As they say, money is time . There are so many ways to do it. You can take your salary and divide it by 2,000. You can take a multiple of that, say 2x or 3x. Or you can just say “I’m valuing it at $X” and base your decisions on that. The benefit of this exercise is it can focus your thinking on what is “worth it” for you. For issues related to money, it’s easy. If you make $20 an hour, would you do a job that pays just $5? Of course not. But if you made $20 an hour, would you take time in your day to save $5? Only if it took less than 15 minutes, right? (exclude taxes and other factors that might adjust the numbers a bit). The challenge now becomes the variable nature of time – not every hour is worth the same. It requires a bit of nuance to any type of calculation. Let me explain. Table of Contents Your Are Always Selling Your Time How to Value Your Time What if you hate your job? What if you’re on vacation? What if ...

Amalgamated Bank has a generous money market bank bonus that not only pays you an incentive bonus based on the amount you deposit but it also pays interest, currently 3.50% APY. It’s a one-two punch in a money market account that makes it a really appealing offer. But who is Amalgamated Bank and are they someone you should consider banking with? We dive in and share the details of this offer. Table of Contents Who is Amalgamated Bank? How to get up to $250 from Amalgamated Bank How does this offer compare? Who is Amalgamated Bank? Amalgamated Bank is most than your typical commercial bank, they are a certified B Corporation with a focus on sustainability, progressive causes, and social justice. This also includes environmental and social responsibility. They are net-zero and powered 100% by renewable energy. They’ve been FDIC insured since 1923 under FDIC Cert# 622 . They have just 6 domestic locations in three states but they’re nationwide – anyone can open an account with...

Do you receive your paycheck via direct deposit? Have you ever wondered what time it actually hits your bank account? It’s important information to know, especially if you have automatic deductions coming out of your account around the same time. Here’s a closer look at how direct deposit works, when it hits your bank account, and more. Table of Contents What Is Direct Deposit? What Days Can You Receive Direct Deposit? What Is Early Direct Deposit? How Much Does Direct Deposit Cost? What Time Does Direct Deposit Hit? What are the Benefits of Direct Deposit Which Banks Offer Early Direct Deposit? Axos Bank Chime Current Dave Fifth Third Bank How Do I Sign Up for Direct Deposit? Final Thoughts What Is Direct Deposit? Direct deposit, also known as an Electronic Funds Transfer or EFT, transfers money from the payor’s account to the recipient. The Automated Clearing House (ACH) is used to send direct deposit payments. The highest levels of encryption are used to...

Do you live in Georgia, North Carolina, South Carolina, Tennessee or Virginia? If so, you’re eligible for a massive $400 bonus from HomeTrust Bank if you open a new personal checking account and meet some minimum qualifications. Table of Contents Who is HomeTrust Bank? How to get up to $400 from HomeTrust Bank How does this bonus compare? Who is HomeTrust Bank? HomeTrust Bank is a regional bank with a headquarter in Asheville, North Carolina. FDIC insured under certificate #27677 since 1926, they have fewer than 40 locations across five states. They had assets of $3.6 billion near the end of 2022 and they are a community-focused bank that has a juicy bonus on new checking accounts that’s relatively easy to obtain. How to get up to $400 from HomeTrust Bank To get up to $400, you need to open a new checking account and then satisfy these requirements to earn a tiered bonus: Get $150 for qualified direct deposits totaling $2,500 or more in the first 90 days. Get $150 f...

I recently got an article published on The New York Times. That’s a pretty big deal for any writer, so you can bet your ass that I celebrated with confetti and a dance that looked kind of like this:   Jealous of my moves? I would be too. “You’re killin’ it!” a friend later said […] The post When “Success” Feels Like it’s Not Happening Fast Enough appeared first on I Will Teach You To Be Rich . from I Will Teach You To Be Rich https://ift.tt/sFcUeoD

When shopping for life insurance , you want to make sure the company you’re dealing with is going to be around for a while. And while size isn’t everything, companies with a larger market share have a more extensive customer base which can translate to greater financial stability. To help you in your search, I’ve compiled a list of the biggest life insurance providers in the US by market share and premiums received, according to the most recent data (filed on March 13, 2023, with the National Association of Insurance Commissioners [NAIC]). Several of these providers have been in business for over a century, and all have healthy financial strength ratings.  Table of Contents The Largest Life Insurance Companies in the United States 1. Northwestern Mutual Life 2. New York Life  3. MetLife 4. Prudential 5. MassMutual 6. Lincoln Financial Group 7. Nationwide 8. State Farm 9. Securian 10. Transamerica 11. John Hancock 12. Guardian Life 13. Pacific Life 14. Prote...