Annual Report

The current White House’s administration also has been trying to simplify it all for borrowers with loans backed

Borrowers can expect savings, but the banks aren’t required to give them today’s rock-bottom rates. Under the settlement, the new rate must be at least 0.25 percentage point

  • One
  • Two
7 Options for Dealing with your Debt Problems

7 Options for Dealing with your Debt Problems

Dealing with debt is no easy thing, it can take many years for people to finally be able to say they are completely debt-free and it will take a lot of will and hard work for you to finally find...

The Complete Guide to Making Money as a Streamer

The Complete Guide to Making Money as a Streamer

As technology and social media are growing at a very rapid rate both in terms of their popularity and usage we have seen more and more people take their careers online and become streamers as...

How Do Medical Insurance Companies Make Their Money

How Do Medical Insurance Companies Make Their Money

If you are someone that is unfortunate enough to live in a country that doesn’t offer free healthcare to all of its citizens, then you are probably familiar with the world of medical insurance....

Does Wells Fargo Exchange Foreign Currency?

Does Wells Fargo Exchange Foreign Currency?

You can exchange currency in the U.S. if you plan ahead. If you want to save money, you should go to your bank or credit union. Exchange bureaus charge more fees than these companies because they...

Can I Get Canadian Currency At Bank Of America?

Can I Get Canadian Currency At Bank Of America?

Bank of America customers with checking or savings accounts can make foreign currency purchases through Online Banking or the Mobile Banking App. A financial center is the only place where...

How To Subtract Currency In Excel?

How To Subtract Currency In Excel?

The number in cells C1 and D1 can be subtracted using cell references. In this example, 5 and 3 are equal. The formula should be started by typing an equal sign (=) in cell E1. Type C1 after the...

What Is The Highest Currency Note In Usa?

What Is The Highest Currency Note In Usa?

Notes of $1, $2, $5, $10, $20, $50, and $100 are currently issued by the Federal Reserve Board. In public circulation, the $10,000 note was the largest denomination of Federal Reserve notes.Table...

Can I Mine Any Currency With A Gpu?

Can I Mine Any Currency With A Gpu?

In order to calculate a large amount of data, the Graphics Processing Unit is highly effective. GPU mining can be used to mine a variety of digital currencies. In addition to mining with...

Small Business: 7 Steps to Creating an Effective Budget

If you are a small business owner, then you will know that one of the main focuses of your everyday life is making sure that you have an effective budget for your business. Owning a small business can be difficult, especially when it comes to securing your finances.  

An unfortunate statistic is that almost half of small businesses that open are doomed to fail within their first quarter, which usually happens due to insufficient funding and poor planning. If you are a small business owner and you are worried about falling victim to the small business failure rate, then you may be looking for a way to avoid it. Here are 7 steps to creating an effective budget for your business. 


If you are determined to start your small business, but you simply can not get the funds together, you could always make a Kickstarter.  A Kickstarter allows people that believe in your brand to donate in order to help keep it afloat. When it comes to Kickstarter, people tend to only donate to businesses with a unique product or a product that can be beneficial to the world. For example, there was a Kickstarter for cbd dog treats that gained a lot of popularity due to the help it provided for animals dealing with anxiety and other medical issues, so be sure your brand fits into that sort of category. 

Stay Online 

If you are worried that your small business is losing a lot of money, one of the best recommendations that we can offer is to simply make your business an online business. Owning an online business cuts out a lot of the costs that eat up profits. If you were to own a facility, you would have to pay for things like gas and electricity, which can be very pricey. Moving online means that you have minimal costs, which means that you can keep a lot of the profits that you make.  

Plan Regular Budget Reviews 

One of the best ways to ensure that your budget is kept in check is by constantly reviewing it. If you review your budget infrequently, then you may lose a lot of money without even realizing it. Keeping up to date with your budget reviews will give you a better idea of what is eating up most of your products, so be sure to take the time to properly do this. If you are struggling to see what is taking so much of your money, we also recommend getting a financial advisor to look through it for you. 

Don’t Start The Business Until You’re Ready 

A big mistake that a lot of small business owners make is starting their businesses before you are ready. If you don’t have the financial backing to support your business already, you can’t depend on the idea of being able to live off of your profit when you have no idea how much profit you will make. You are in no rush to start your business, so simply take your time and collect the funds to set it up when you are ready.  

Have Lease Items  

Another great way to make sure your budget is in check is by starting off with lease items. If you are a business that depends on the use of a lot of equipment, then you will lose a lot of money straight off the bat by purchasing all of this equipment. There are plenty of companies that allow you to lease equipment for a more than reasonable price and so you can just do this until you have the finances to purchase all of the equipment yourself.  

Keep Staff Low 

A very common habit among small business owners is employing too many staff. Staff wages are very expensive and so having a lot of staff will mean that you will lose a  lot of your profits. Keeping your staff to a minimum will mean that you are not spending money where you do not need to. As a small business, it is unlikely that you will need to hire too many people at once and if you do end up needing more staff, you can always employ more in the future.  

Plan Fixed Costs 

At the start of every month, you should look into what your predicted fixed costs are going to be. This way you will be able to see how much money you will have left in the budget, which means that you can plan other potential financial outgoings around this. You can also work out if you are paying too much for your fixed costs and try to cut back. For example, if you are paying a lot for electricity, you could always look to find a different provider.

7 Options for Dealing with your Debt Problems

Dealing with debt is no easy thing, it can take many years for people to finally be able to say they are completely debt-free and it will take a lot of will and hard work for you to finally find the relief of having no money troubles. There are many things that you can do to work off your debt but it cannot begin until you are truly ready to admit that you have an issue with money that needs to be changed.


Debt Consolidation

A great way to clear off your debt is to consolidate them, what this means is that all of your debts are taken over by another company or by receiving another loan to cover the final payments. This is much easier than having multiple debts that spiral out of control, as they are all covered by one company through a single monthly or weekly payment. Doing this helps a lot of people as it becomes so much easier to manage than having to balance multiple regular payments that are much more likely to become a more significant financial problem.



Although getting a loan is only going to further your debt it is sometimes necessary to buy yourself more time to earn the extra money that is needed to cover your payments, for many people debt is about timing and if you are able to get yourself some more time to be able to eventually get rid of it all I would argue that this is worth it. If you have a bad credit score and are looking for a loan company that will consider you then you will need to find a  loan that has no credit checks as these will be much more open to accepting someone with a troubled financial history.


Seeking Professional Guidance

If you are unsure of anything when it comes to managing your debt then it may be a good idea for you to consult somebody who knows what they are talking about, most financial advice can be done in a discreet way so you shouldn’t let your embarrassment stop you from talking to somebody. You cannot get rid of your debt without making an action plan to be able to manage it all so the sooner you consult with a money advice team to help you out the sooner you can start making the changes you need in your life.


Savings Account

Having a savings account that you can’t just dip into when you feel like is a great way to build up some money for you to fall back on in times of crisis, not having emergency money when it is needed is one of the biggest causes of debt so having a savings account could be just what you need. You can simply transfer a portion of your earnings each time you get paid so that you have some money built up for when you need it and to help you get out of your debt issues.


Spending Trackers

It is sometimes the case that many people who are in debt are in due to a lack of control over their spending, downloading a spending tracker onto your phone is a great idea to help you effectively budget and manage your money. Using a spending tracker could also be very helpful for managing and notifying you of your debt payments to avoid getting into further difficulty by missing them and having to pay extra interest payments on top of the original amount that was owed.



If you are overwhelmed by the difficulty of managing your debt and ensuring you have enough for you and your family to live off of then it is time to start putting together a strict budget for you to stick to. Budgeting for the week on how much you will spend out of your income is one of the most effective ways for you to save money and ensure that you have enough to cover your weekly essentials and ensure that you can cover your debt payments to avoid further troubles or reduction of your credit score.


Cutting Down on Luxuries

The final tip may seem redundant however many money troubles for people come from not being able to stop their luxury spending habits, if it is not an essential item you shouldn’t be spending money on it if you are in debt and financial troubles. It may seem cruel and hard to limit yourself but the fact is that your debt and ensuring you and your loved ones have a roof over your head is much more important than making rash and expensive purchases. If you work hard to get out of your debt and save some money you will have all of the time you want to treat yourself to an unessential item.

The Real-Estate Agent Guide to Valuing your Property

As the world has started to gain some sense of normality, right now is the best time in a long time to consider selling your house. Many of you may be eager for a change of scenery and just something a little different from the four walls you have been staring at for the last year or so.  

Though the prospect of selling your home may be exciting, it is important to remember that it is a complicated process and there are a lot of tasks that you have to do before you can even consider putting your house on the market.  

Once your home is in what you believe to be a sellable condition, you then need to get an estimate of what it is worth. In the past, you would need to hire pricey real estate agents to work this out for you, but the world is changing and there are many ways that you can figure out your estimate for yourself, which will save you a lot of money. Here is a step-by-step rundown of how you can value your property.  


Using online valuation tools 

You will be glad to know that a lot of the valuation work that you need to do can be done from the comfort of your laptop.  A lot of the online valuation tools that you can use these days are completely free and are not overly expensive. Before you use these valuation tools, there are some things that you will have to make note of.  

First of all, you need to jot down the location of your home, along with other specifics such as how many rooms it has and how many bathrooms, along with any other key features of your home. Once these details are jotted down, you can then put them through the valuation calculator and you will get a rough estimate of the worth of your home. This estimate may not be entirely accurate, depending on the site that you use, but if you have absolutely no understanding of the estimation process then this will be a lot more beneficial to you than just taking a stab in the dark.  

This is also a great option if you are wanting a quick sale, these days selling your home can be a lengthy process and so taking any step to reducing this time will be very welcome. If you are someone that wants to sell your home as quickly as possible, this company will buy your house in Maryland for cash, so if you quickly work out an online evaluation, you will be able to sell your home in no time.  

Value your home with a comparative market analysis 

One of the more popular ways in which you can get a property value is through using comparative market analysis. Getting an individual evaluation on your specific home can be a lengthy process and so to cut down the amount of time needed to do this, something you can do is use a comparative market analysis. 

There are several websites and actual companies that do this comparative market analysis for you and the process basically consists of looking at several homes that are not only similar to your own but are in the same area as your own.  

The analysis is completed by looking at the price that the homes that are similar to your own sold for and then making an average price for all. After this price is created, they then take into account any additional factors that may increase or lower the overall price. This means that they look into any external aspects that could influence the price, such as the local economy or the general increase or decrease of the housing market. Once this is calculated, you are then given an overall evaluation that determines the worth of your home. 


The Federal Housing Financing Agency house price index calculator 

The Federal Housing Financing Agency may be something that you are not particularly familiar with.  This system is a little different from the regular calculators that you can find online. Much like a comparative site, The Federal Housing Financing Agency takes into account the average sale prices of similar homes that are locally sold.  

The way in which they source the information to calculate this is much more thorough than a number of the other sites, as many of them simply gain their information online. The Federal Housing Financing Agency obtains its information by directly looking at and reviewing mortgage transactions. 


Once they have all of the ongoing mortgage information, they then build an index of repeat sales. This is a collection of repeat sales in the area, that is then averaged out to calculate just how much your home would be worth in comparison to homes that had previously sold that are similar to your own.  

The only issue that you may encounter with using this service is that they usually base their analysis and evaluation on single-family homes, which may not be the case for you if you are looking to sell your home to several prospective families.  


Find the best option for you 

There are plenty of ways that you can get your home evaluated but it is important to remember that not every evaluation option will fit your personal type of home, so keep looking until you have found one that is right for you.  

Understanding Car Insurance: What Extras Are Actually Worth It

If you are someone that owns a car, then you are probably more than aware of the bane that is purchasing car insurance. Though you knew it was coming when you first bought your car, nobody could have expected that you would be paying the prices that you are. It seems like every year your insurance only gets more expensive and your provider recommends that you add additional extras on top of the coverage that you already have.  

Unless you are someone that is well educated in the world of car insurance, then you may not really understand what all of the car insurance extras mean, so you may feel as though you need to trust your provider’s professional opinion.  


What if I told you that not all of the extras that you pay for are necessarily worth it.  You have to remember that car insurance firms are still businesses, so even if they have your best interest in mind, they still want you to pay as much money as you can so that they can turn a profit. This means that many insurance companies will advertise extra cover and insist that you need to invest, even if that is not necessarily the case.  

Though some of the extras that you can get are worth it, there are plenty out there that are not.  If you are someone that is finding it difficult to cover all of the extras that are being offered by your insurance company, don’t worry. These are the insurance extras that are actually worth your investment.  


Breakdown cover  

Breakdown cover is one of the most popular insurance extras and is definitely one that you need to continue paying for. Breakdown cover basically means that if your car decides to break down when you are on the road, then your insurance will cover any roadside assistance and will cover the cost of taking your car to a garage.  

This is an essential extra to pay for as most insurance policies do not include breakdown cover as a part of the standard policy. This is especially the case if you go for cheap SR22 insurance and similar companies as the price they charge is far too low for them to be able to provide this kind of cover as standard.  

Cars are extremely unreliable and can break down at any point without any notice and trying to get road recovery can be extremely expensive, so we recommend that you make the investment into breakdown cover.  This additional cover is usually much cheaper than a lot of the other extras that you can buy and will save you a lot of money in the future.  


Courtesy car cover 

Once again, if you are someone that owns a car then you will know just how easily cars can break or just genuinely break down. Though a lot of car insurance companies offer to cover the cost of fixing your car, this does not fix the problem of needing a car to use in the meantime.  

This is why we believe that courtesy car cover is extremely important when it comes to extras that you can get with your car insurance. Something that is important is checking the details of your insurance provider’s courtesy car policy. Usually, when you pay for courtesy car cover, there is a set period that you can keep the car for, which sometimes doesn’t match up with how long your car may be out of commission. If you do decide to pay for this extra cover, ensure that you are guaranteed at least 21 days of courtesy car cover.  

If you are someone that has an expensive car, then do not expect to receive a car that meets the standards that you are familiar with.  Insurance companies prefer to focus on providing quality as long as there is plenty of space within the car, so you can expect to receive a hatchback or a car similar to that.  

There are also a number of risks that come with deciding to use a courtesy car, as you may know, you could also damage the courtesy car during the period that you are using it. This may lead to further charges, so this is why people sometimes choose not to use a courtesy car cover. 


Personal accident cover 

Though being able to drive gives you freedom and the ability to access locations with ease, driving does come with its own risks.  Anything can happen when you are on the road and this is why we recommend that you get personal accident cover.  

Personal accident cover essentially covers you if you experience any injuries when you are in your vehicle.  However, with most insurance companies there are limitations on what they will cover you for. If you die, permanently lose a limb, or your sight, then it is likely that the insurance claim will not apply to your circumstances.  

Depending on the policy that you pick, you can expect to receive 10 thousand to 100 thousand dollars worth of cover, meaning that any injury that you may get while behind the wheel will be essentially covered. In order to get the higher coverage, you may be expected to pay a bit more money, but this will at least mean that you will not need to pay any unexpected medical bills in the future.  

The Complete Guide to Making Money as a Streamer

As technology and social media are growing at a very rapid rate both in terms of their popularity and usage we have seen more and more people take their careers online and become streamers as their full-time profession. Streaming has the potential to make you much more than just someone who plays games for an audience and you could actually bring your whole career onto an online platform where you can build a reputation and brand with the opportunity to earn a very nice income. The great thing about having a career like this is that it provides flexibility both in the hours you will need to work every day and the creative vision that you would like to take your work in will be completely up to you, rather than having to report to a board of creative directors who could dictate the content you produce.

In order to make money as a streamer, you will need a certain awareness of the way that the world works and how you can attract certain audiences and ensure that your message is clearly portrayed within your videos, and there are many things that you can do to achieve this.


If you want to be taken seriously within your chosen platform then it is very important that you earn the money to invest in high-quality recording and editing equipment, these days most streamers are able to record in the highest definition of picture quality so anything less than this standard that has been set is likely to affect the fan response you receive. Recording equipment doesn’t have to be expensive and you will find some pretty reasonably priced models on the market that will help to ensure your lighting and quality is sharp and clear.

Create High-quality Gaming Content

The final way that you can make money as a streamer and ensure that you are taken seriously in such a crowded industry would be to make sure that you are putting thought and effort into the streams you are doing and the content you are making. For gamers who are struggling with performing well on games during streams then it may be a good idea to use hacks to help until you improve, the most recent apex legends hack is said to be one of the best so I would definitely check it out.

Establishing a Fanbase

A huge part of making money as a streamer is the relationship and loyalty you build within your fans, for those of you that are just starting out I would highly recommend that you start marketing your social media accounts to try and build the number of followers that you have. Once you have increased your followers you will attract the attention of brands who will offer partnerships in exchange for you advertising products to your fans, this will not only help you make money but also build your relationship with brands who could offer more work in the future.


Another great way for you to make money as a streamer would be to design and create merchandise featuring some of your iconic logos or graphics work to be sold to your fans. In this industry, it is important to diversify your career and to set up your own branded merch. You are provided with peace of mind that should the streaming industry decline you will still have a business that you can profit from and expand. This is also a great way to further your relationship with your fans as you are giving them the opportunity to buy and collect one-of-a-kind items featuring someone they like.

How Do Medical Insurance Companies Make Their Money

If you are someone that is unfortunate enough to live in a country that doesn’t offer free healthcare to all of its citizens, then you are probably familiar with the world of medical insurance. Medical insurance gives you the opportunity to cover medical bills that you may not have thought possible to overcome. However, if you look into it, the money that you put into your medical insurance really doesn’t add up with the estimated costs of your injury or illness.

Though this may seem confusing, it makes sense if you think about it. After all, what would be the point of insurance if you were still paying the full cost of the surgeries that you have? This means that your medical insurance is covering the rest of your bills. However, this begs another question. If medical insurance companies are only taking in a margin of what the medical bills actually cost, but are still paying the bills, then how do the companies make money?

Though this may seem confusing, you only need to meet someone that works in medical insurance to know that most medical firms are making plenty. Working in insurance is an extremely desirable job due to just how much money some of the bigger players in the sector are able to make every year.


How do they make money?

Insurance companies face no struggles when it comes to making money and there are in fact two primary streams of revenue for most insurance companies out there. These are known as investment income and underwriting income, but in the complicated world of insurance, it can be a difficult task to differentiate the two. Worry not, we have done the work for you.


Underwriting Income

Underwriting income may be the most popular way of making money that you may be familiar with in the world of medical insurance. If you have a healthcare policy, then you will know that you have to pay a monthly insurance premium. This is basically the set cost that you have to pay in order to have your medical bills continuously covered.

Premiums differ depending on the plan that you selected when you first joined your insurance company, yours may be more or less than the average depending on how much money that you spend every year.  Unless you have an ongoing medical condition, it is unlikely that the insurance company will have to use your money to cover any medical costs for yourself and so this money is pooled. This pooled money is used in many ways. If you are under a medical firm then it is likely that your money will be pooled with others that haven’t required any medical attention that month. This money will be partly used to cover the medical bills of someone else under the same firm, but a lot of money will be leftover.

The law firm will use some of this remaining money for the general running of the business, and new laws mean that insurance firms need to spend at least 25% of their income on administrative costs, which are the costs for the general running of the business. So the profit for the business is assessed this way by adding up the premiums that are collected by the firm and taking away the costs of any expenses or claims that have been paid by the company.


Investment income

Something that you may not know about the world of business firms is that the money that isn’t spent on claims or other expenses is usually invested. They could leave the money as it is, but this usually means there is very little income left over. What the company chooses to invest the remaining money on really depends on a number of personal factors and insider knowledge that the firm owner may have. The usual ways in which this money is invested are through stocks and real estate as companies tend to try to avoid gambling the money that they make. This money is then given out as a wage.


Do the companies make a direct profit from customers?

As previously discussed, the money that you invest into your medical insurance usually never meets the overall costs. Because of this, it isn’t very common for medical insurance businesses to make a direct profit from customers, instead, they are required to use the money wisely.


Can you make a profit from medical insurance?

Though it is more common to work as a part of a firm, there is such a thing as independent brokers. These medical insurance brokers work independently and often charge higher premiums. These higher premiums mean that they are able to cover bigger medical bills, which makes them a favorable option for people who worry about medical issues.

If you want to get into the industry, it is actually relatively straightforward as all you need to do is find medical injury leads and work from there. If you need to purchase personal injury leads for sale there are plenty of online resources or independent companies that you can contact who will be happy to help you. However, there are certain laws you need to follow in order to run your business ethically. There are also a number of certifications that you need to earn in order to allow you to practice, but once you have that sorted out then you should be fine.

Is Now the Right Time to Start Investing in CryptoCurrency

These days more and more people are becoming aware of cryptocurrency to the point where the concept has solidified itself in the public conscience. Even if a large percentage of people have no idea how these currencies work or what it is even really for, the crypto trading market has boomed over the last few years from a niche interest to a full-blown financial movement in its own right.


What is Cryptocurrency?

Cryptocurrency in its simplest sense is a digital currency that isn’t regulated or represented by a state. There are many different cryptocurrencies out there (such as Bitcoin and Dogecoin), but they all function in the same basic way, often with different levels of acceptance and security.

Cryptocurrencies exist on and are traded exclusively over the internet, which has been a source of both positive and negative press over its existence, but it is a necessity for the currencies to function. Being online allows instant transactions that are verified by a huge network of connected users in an accessible yet incredibly secure system.


What is Cryptocurrency for?

The majority of people who own some sort of cryptocurrency often only own shares in currencies to trade with as opposed to having the balance in a spendable wallet. This was never its primary function but was a result of the incredible worth that was almost immediately found in this genre of currency. Currencies such as Bitcoin can now be spent on a huge variety of websites and there is an ever-increasing number of cities around the world now installing bitcoin ATMs to facilitate the trading of such coins! You can even find your local ATM at findbitcoinatm!


Should I invest?

Over the few short years that cryptocurrencies have existed, they have been known to be fairly volatile, but it always worth remembering the tale of the humble Bitcoin, which were worth under $100 when they first hit the public eye before very quickly being worth 4 digits for a single coin!

However true this might be, all currencies dip and rise over time, so much more important than the history of a currency is the present. If you’re thinking of investing to make money, you want to be looking at the better-established currencies and those are often very expensive for even a share in a coin. If this isn’t enough to deter you, then you should read on to see if you have what it takes.


Crypto and Covid-19

While many industries have dipped hard as a result of the Covid-19 pandemic, many cryptocurrencies have seen meteoric rises in value. As faith in governments diminishes, Bitcoin, Etherium, and other big names in the industry have shown their worth in having economic strength with people rather than states.

As a result, more and more people are finding success in the crypto trading scene, and there are huge profits to be mined. There is of course risk in any sort of trading for profit, but the uncertain climate of modern times has actually shown us that there can be some sort of stability found in cryptocurrency.


Popularity is loss

Unfortunately, the more money there is to be made with something, the more people there are who want to be a part of it. And as is inherent with cryptocurrency, its worth increases the more people want to use it. This means we could be very swiftly approaching a point where cryptocurrencies are worth too much for the layman to get involved, which is something to keep in mind.


Trading Apps

If you are thinking of getting into some crypto investments, there is an incredible array of apps and websites which will allow you to securely and easily sign up for a wallet for your chosen currency and start trading in just a few minutes. You often can’t withdraw your coin balance for private usage and trade, but for the common user, these apps provide more than enough usability to allow you to trade your way to profit soon!


In my opinion, now is definitely the most optimum time to invest in some cryptocurrency. Ideally, we would have all invested in Bitcoin a decade ago, but seeing as we didn’t, today’s market is incredibly diverse, but has been skyrocketing up and shows no signs of stopping. Not until we no longer need a decentralized currency.

Subscribe to News