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Gold and silver – 5 ways to invest

Gold and silver – 5 ways to invest

When we think of precious metals, gold and silver are two names that come first to the mind. Seasoned investors usually put their capital in these two metals to safeguard against the volatile stock market and inflation. Even central banks and other government entities choose to invest in precious metals. The US government is the largest investor of gold stocks in the world. But finding the best place to buy silver and gold may be difficult for beginners. Let’s take a look a the different modes of investment for these two precious metals. Exchange-traded funds (ETFs) There are many ETFs in the market. You can buy gold and silver from the stock market, just like any regular stock. Since the supply of mines is outweighed by hoarded supply in gold, its prices will only fall when hoarders sell and vice-versa. Beginners should start by looking into iShares Gold and Silver Trusts. Bullion Traditional buyers usually prefer to buy gold and silver coins in their physical form. The best place to buy silver and gold bullion coins is the US mint, or you can contact any local coin supplier. The American Eagle, Canadian Maple Leaf, and South African Krugerrand contain certain proportions of gold depending on the currency value.

All you need to know about home insurance policy

All you need to know about home insurance policy

Buying a home comes with a lot of responsibilities. There are a lot of risks that come with owning a home like the risk of theft and property damage. Investing in the right kind of home insurance policy is important so as to be financially prepared for these risks. There are several different companies in the market that offer home insurance policies with different kinds of terms and coverages. Remember the following points before choosing a home insurance policy. Explore your options As mentioned earlier, there is a wide variety of home insurance policies available to homeowners at this time. When selecting one, it is important to consider factors like what potential risks are being covered in the policy. It is also important to consider the company’s record in your area, whether they are reliable as insurance providers, and their response time. Ask about discounts Home insurance policy in 2021 offers additional services and discounts. They may offer discounts on additional safety installment services such as installing an alarm system, smoke alarm, or better locks. There may also be certain offers for old and retired personnel as well as some discounts for policies when taken via your employer’s or organization’s reference.

5 technologies revolutionizing financial services

5 technologies revolutionizing financial services

For any industry to sustain itself in today’s world, implementing digital strategies has become indispensable. This holds particularly true for the financial services industry. The good news is that digital transformation in financial services has already begun, and we’ll likely see more and more innovative technologies underpinning banking and financial institutions in the coming years. Keep reading to learn about the latest digital transformation trends in the financial services industry. Big data and artificial intelligence The combination of big data and artificial intelligence is a revolutionary digital strategy that is shaping the future of banking and financial services. The technology helps institutions process, store, and drive valuable insights from the data they gather from their customers’ activities. Big data and artificial intelligence allow institutions to create a highly personalized experience, helping businesses attract and retain customers. Blockchain Blockchain is a fairly new technology that is becoming increasingly popular in the financial services industry. With blockchain technology, all transactions are permanently stored in the blockchain network, providing the highest level of transparency and security. Nobody can tamper with these transactions, which nearly eliminates the risk of error and fraud. Besides security, the technology is being explored for use in a wide variety of banking and investment applications.

5 easy steps to make a successful VA loan application

5 easy steps to make a successful VA loan application

Veterans or those on active duty can avail of VA loans for any financing purposes. The federal government guarantees these loans. However, to get them, there are specific steps to be followed for successful application. These steps include everything from looking for the best VA loan lenders to maintaining a stable credit score. Here are a few easy steps to make a successful loan application for veterans. 1. Get preapproval for the VA loan With preapproval, you can determine your budget. This process involves telling your VA loan lender about your homebuying goals, employment history, and military service. Some documents required during this process include copies of your driver’s license, DD-214 or Guard/Reserve points statements, recent pay stubs, and bank statements. 2. Look for VA-approved loan lenders Always shop for a lender who is an active participant in the VA loan program. The best VA loan lenders would offer several options and deals. The deals generally differ based on discount points, interest rates, and VA closing costs. If you face any difficulty, a loan officer can help you find the right VA loan lender. 3. Get an eligibility certificate A certificate of eligibility or COE is proof that you have met all the eligibility criteria for the VA loan.

5 reasons to get commercial vehicle insurance

5 reasons to get commercial vehicle insurance

Insurance helps cover unexpected costs and liabilities that may incur in the future. Investing in a decent insurance policy also protects your assets, be it rental or owned. If you are a business owner and own or rent vehicles that transport goods and consumables, you must invest in commercial vehicle insurance for the following reasons. There are several monetary benefits, some that also save tax in the long run. Some of them are mentioned below: Get additional cover Your regular auto insurance may not cover all costs that arise out of accidents or personal injury involving commercial vehicles. Also, most personal auto insurance policies are not valid for liabilities accrued out of vehicles used for business purposes. This is where commercial truck insurance will provide customized, comprehensive insurance suited to your business needs. Follow regulations The law in many states requires business owners to get a commercial vehicle insurance policy. The insurance is mandatory if your business transports goods and hauls heavy-duty equipment. Even if your company provides service from a vehicle, your auto insurance policy will not cover the liabilities. Any business, partnership, or corporation that owns vehicles for commercial use must buy this additional cover. Customized coverage One of the main advantages of buying commercial insurance is that you get custom cover for specific damage, repairs, or the replacement of certain parts.

Know the basics of VA streamline refinancing

Know the basics of VA streamline refinancing

Veterans and military families can opt for refinancing offers that give homeowners an option to reduce the ongoing interest rate. VA Interest Rate Reduction Refinance Loan (IRRRL), also known as VA Streamline, is the simplest refinance option, which involves minimal paperwork and overhead costs. However, despite the substantial benefits every scheme is different, and it must be thoroughly discussed with an expert. What are the benefits of IRRRL? The interest rates will be fixed, contrarily to how they usually fluctuate depending on the market rate. Additionally, there’s the benefit of monthly payment savings once a family signs up for VA Interest Rate Reduction Refinance Loan. While the VA borrowers are entitled to 0.5 percent funding fee, that too can be waived off under certain conditions. If the veteran develops a disability due to their service, and is not compensated nor given retirement, the family surviving them are entitled to this benefit. How does IRRRL affect the year term? With the help of this VA IRRRL the term year of a loan can be adjusted. If your term loan is of 30 years, one can bring down the term to 15 years. However, the monthly payments will be increased. So, it’s recommended that one must calculate the monthly payment and the interest cost over 20 years to understand what’s a better choice.

4 reasons for mortgage refinancing

4 reasons for mortgage refinancing

If mortgage refinancing (mtg refi) rates today are low, many homeowners will rush to refinance their mortgages. It is quite appealing to opt for mortgage refinancing when one can secure a lower rate. This often helps in lowering monthly payments. In addition, refinancing helps pay off the mortgage quicker; some even cash out the equity on their home. Here are few reasons why one should consider mortgage refinancing: Get a lower interest rate If mtg refi rates are low, getting a mortgage refinancing makes complete sense. This is because the interest rate on the existing mortgage will get lower. There can be a saving of nearly 1 to 2 percent. With lower interest rates through refinancing, one can save money. Moreover, there will be an increase in the rate of building equity on the house. In addition, monthly payments will become lower. It is usually recommended to opt for refinancing when the interest rate can be lowered by a minimum of 2 percent. Reduce the loan term Whenever mtg refi rates fall, homeowners can take the opportunity to get a shorter loan term on an existing loan. However, there won’t be much change in the monthly payments in such cases.

A 3-step guide to selling a timeshare

A 3-step guide to selling a timeshare

A timeshare is shared ownership of a property, wherein multiple individuals own a “share” of a particular home or property in return for its access for a stipulated period, typically once a year. Investors may sometimes wish to sell their timeshare for various reasons, like the inability to pay for travel or illness. If you want a release from your timeshare ownership, you must consider a few things to sell it fast and safe. 1. Determine the value Owning a timeshare means you have essentially paid for a set number of vacation days upfront. A timeshare’s value decreases over time, unlike real estate, so it should not be purchased as an investment. Additionally, you need to have realistic expectations while reselling it. It is quite likely that the resale value will be lower than the price you paid while originally buying the timeshare. Some owners simply return their timeshares to the property managers without asking for any money, but if you wish to get back at least something, you can determine the value of a timeshare by researching the resort it is located in and checking the prices of similar timeshares currently up for sale. The valuation depends on the location, maintenance, and how long you have owned it.

Top 5 buy now, pay later providers for getting a new phone

Top 5 buy now, pay later providers for getting a new phone

A new phone can be expensive, especially the latest models. To help finance it, one can avail of several buy now, pay later (BNPL) plans. These plans make big-ticket purchases more affordable. They let individuals get what they want and pay for it later while charging zero interest and minimal fees in many instances. Read on to learn more about the five top BNPL providers and how they can help users finance their next phone. Affirm Buyers can use Affirm to finance their phone purchases. Before approving the claim, the company may perform a soft credit check and consider the individual’s payment history, debts, income, and bankruptcies. Affirm partners with several major retailers and offers pay-in-four and monthly plans to its customers. While its pay-in-four plans are interest-free, the monthly options may have an interest between 0% to 36%. Afterpay Afterpay offers plans that are similar to Affirm’s. Buyers can avail of an interest-free pay-in-four plan or opt for a monthly plan of either six or twelve months for payments larger than $400. Interest rates on the monthly plans may vary between 6.99% and 35.99%. Klarna Klarna is another famous company that has BNPL plans. It tends to be lenient with past customers who have favorable payment histories or ratings.

4 ways to get money with a bad credit score

4 ways to get money with a bad credit score

According to the FICO credit score model, those with a score below 670 are considered to have bad credit. The lower the credit score, the harder it is to get personal loans. However, it is not impossible. There are several lenders who have minimum credit score requirements. Shopping around and researching is one of the best ways to find offers and discover ways to get money with a bad credit score. Here’s how to do it. Check credit report and credit score thoroughly Before starting the process of applying for loans, pull copies of credit reports. These are usually available for free from the three credit bureaus: Experian, TransUnion, and Equifax. Then, review all the information lenders often see while evaluating a loan application. Check for issues or patterns in the credit history, such as closed accounts and missed payments. If there are any errors, get them rectified. Once this is done, take the necessary steps to improve the credit score. Compare lenders and get prequalification Several online lenders offer loans even with bad credit scores. While traditional banks solely rely on credit scores, online lenders look at other criteria along with credit scores while approving loan applications. These criteria usually differ across lenders but often include the applicant’s job, income, and education history.

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3 river cruises to board in 2022

3 river cruises to board in 2022

If you are planning to go on a long vacation and would love to relax on a deck overlooking a river, then river cruises are for you. From the mighty Mississippi to the scenic Columbia, you can unwind with comfort and luxury on the country’s many rivers. Here are some of the best river cruises of 2022 that will help you make a memorable trip. America’s Great River by Viking Cruises One of the best river cruises of 2022, Viking Cruise offers a unique opportunity to discover American folk music and learn more about the country’s civil rights movement. This 15-day river cruise spans the Mississippi River, letting you explore historic and beautiful cities such as New Orleans, Baton Rouge, Natchez, Vicksburg, Memphis, and many more. The cruise originates from Louisiana and takes a scenic route up till Minnesota. On this cruise, you can enjoy views of the scenic coastline on the full 360-degree deck and treat yourself to a variety of cuisines. Nashville to Chattanooga (or Reverse) by American Queen Steamboat Company This is a nine-day river cruise that spans the scenic Columbia River. The cruise offers unlimited shore excursions beginning with a hotel stay at Chattanooga, Tennessee. The ship cruises along small river towns and lush landscapes. It lets you explore stories of the Civil War at Decatur and unwind to some R&B music in Florence. While on deck, the cruise offers world-class wines, locally brewed craft beers, and specialty coffees. The cruise also has a dedicated fleet of deluxe motorcoaches. Hudson River Cruise by American Cruise Lines This company offers cruises that last more than a week, and they include a wide variety of destinations. For instance, the Hudson river cruise lasts for seven days and eight nights, and takes a mesmerizing route along the Hudson river, which is surrounded by the Catskill, Taconic, and Berkshire mountains.

Browns NFL single games ticket sales for 2021

Browns NFL single games ticket sales for 2021

Football season is here, and the excitement couldn’t be more! If you’re looking for Cleveland Browns single game tickets for 2021, we’ve got you covered. From ticket prices to venue to timings, you can find all the information below. This Paul Brown-founded football team has a huge fan following, and surely the fans wouldn’t wanna miss out on some outdoor fun after an overwhelming year. Here’s all you need to know about the Browns ticket sales! Cleveland Browns vs. New York Giants Day: Sunday Date: August 22nd, 2021 Time: 1 PM Venue: FirstEnergy Stadium, Home of the Cleveland Browns, Cleveland, OH Ticket price: Ranging from $16 to $999, depending on the section and row. Cleveland Browns vs. Houston Texans Going against Houston Texans in week 2, here’s what you should know: Day: Sunday Date: September 19th, 2021 Time: 1 PM Venue: FirstEnergy Stadium, Home of the Cleveland Browns, Cleveland, OH Tickets: Depending on the row and section, the tickets for one person range from $143 to about $1,000. Cleveland Browns vs. Chicago Bears Day: Sunday Date: September 26th, 2021 Time: 1 PM Venue: FirstEnergy Stadium, Home of the Cleveland Browns, Cleveland, OH Ticket price: Ranging from $169 to $1,200. Cleveland Browns vs. Arizona Cardinals Day: Sunday Date: October 17th, 2021 Time: 4:05PM Venue: FirstEnergy Stadium, Home of the Cleveland Browns, Cleveland, OH Ticket price: Ranging from $96 to approx. $650. Cleveland Browns vs. Denver Broncos Day: Sunday Date: October 21st, 2021 Time: 8:20PM Venue: FirstEnergy Stadium, Home of the Cleveland Browns, Cleveland, OH Ticket price: Ranging from $126 to approx. $1,400. Cleveland Browns vs. Pittsburgh Steelers Day: Sunday Date: October 31st, 2021 Time: 1 PM Venue: FirstEnergy Stadium, Home of the Cleveland Browns, Cleveland, OH Ticket price: Ranging from $148 to approx. $1,075. Cleveland Browns vs. Detroit Lions Day: Sunday Date:

Top e-stores for custom logo sticker printing

Having a custom logo sticker on products lets customers connect with the brand. Seeing a particular label time and again helps people remember it and motivates them to go back and interact with the brand or company. So, if your business is in the early stages, this is the next step to solidify your brand identity. Get one of the following logo sticker printing services on board to print high-quality labels and help get your brand noticed. StickerGiant StickerGiant has a fun mix of glossy labels, clear stickers, and paper labels that can be customized for different kinds of products. You can bulk print logo stickers by placing an order on StickerGiant’s website. After you upload a picture of your logo and finalize the order, StickerGiant will deliver highly personalized labels. For an example of estimated costs, if you pick 125 glossy white, circle-shaped 3″ x 3″ labels, the price will be $88.27. If this is too expensive, you can order higher quantities to bring down the cost per sticker. Jukebox Jukebox is the perfect choice for visually appealing stickers that are also long-lasting. Their scratch- and weather-resistant prints stay intact for up to 5 years, come snow, sunlight, wind, or rain. You will see customization options when you visit their website. We like that they can print shapes suited to the outline of the logo for a one-of-a-kind label. This e-store has affordable packages as compared to StickerGiant. An order of 100 standard gloss, 3″ x 3″ logos will cost you $53.00, which lets you spend less on prints without compromising on quality. StickerYou With a user-friendly interface and cool options like holographic labels, StickerYou is an incredible e-store for logo sticker printing. You can order custom die-cut vinyl stickers, labels, decals, and tattoos in any size, shape, and quantity.