• Best balance transfer card that you should own

    A balance transfer is mostly the transfer of balance which can be either money or credit from one account to another, often held in another institution. The term is commonly used when describing a credit card balance transfer. People in a balance transfer have access to move their debts such as credit card balances, home loans, student loans, car loans, medical bills, etc. to a zero or no interest credit card for a promotional or limited period. The amount that each is allowed to transfer depends solely on their credit card as well as their credit score.

    It is hard for an individual to find out which financial institutions to trust to obtain the best balance transfer. Scroll down to take a peek at some of the best balance transfer credit cards currently out in circulation:

    Bank Americard Credit Card: This is the best card available for a person who has good credit looking for a cost-effective just-for-debt card. This card features 0%annual fees, a 0% introductory transfer fee and a long 0% APR period. This helps you repay your debt without paying any interest or fees.

    Barclaycard Ring Mastercard: This is also one of the best balance transfer cards available as it comes with a 0% APR period and its best feature is that it never charges balance transfer fees.
    Citi Simplicity Card: This is the best balance transfer card for people who need to pay their debt without interest for a period of 18 months. This card is in the running for best balance transfer cards with its ultra long 0% balance transfer and a 0% annual fee.

    Discover It Card: This card is perfect for those who use more than one card. The Discover It card offers uses a rewards program which pays 5% cash back in rotating categories thus providing a long term value.

    Chase Slate Card: This card wins the balance transfer triple crown. It offers 0% APR, 0% introductory and annual fees.

  • Why is dental insurance for seniors necessary

    Young people just out of college think they can conquer the world with their utopian ideas of life. Not very difficult I believe. In their 30s people have a pragmatic approach to life. After a decade passes, they become prudent in their notion and behavior. As they grow older, retrospection comes into play. And, that is when the “If only I had….” sentences become more recurrent.

    When it comes to matters of health insurance, particularly of dental insurance, as a senior, it is always better to be prepared than be repentant. A fundamental prerequisite for anyone who can afford it would be an enhanced dental insurance policy.

    Dental insurance for seniors is essential because various health conditions like osteoporosis, cancer, heart disease, diabetes and many other such conditions/illnesses share common risk factors with oral disease. The need to recognize that the general health of an individual is closely related to their oral health will help in deciding the important debate of whether to have dental insurance or not.

    Dedicated dental insurance policies for seniors incorporate an assortment of care and treatment packages. Everything from yearly dental prophylaxis, systematic oral evaluation, X-rays, diagnostic casts, palliative or emergency pain relief, cementing, adding crowns, moulds or fillings, root canal treatment, extraction of decayed teeth, fixing complete or partial dentures, and repairing and servicing them, scaling and graft procedures and plenty more remedial and management measures for teeth and gums are covered.

    From as low as $7 US to a holistic plan that costs over $700 US, there are countless dental insurance policies for seniors. Reading through the information brochures fully, understanding clearly what you are receiving for the money you are spending, and then settling on the best plan that is most suitable is the ideal way to go about the whole process.

    As aging happens, increase in health issues is common. In addition to planning and saving for a good general insurance policy, an excellent all-inclusive, stand-alone dental insurance policy is a must for seniors.

  • Popular first time home buyer grants and programs

    Statistics show that nearly 80% of people who live on rent want to buy their own home, but most of them can’t afford to do so. Mortgage rates are skyrocketing and property listings are gaining value by each passing day making it very difficult for applicants to secure a sizeable loan or even afford to pay for the downpayment.

    The following financial grants and programs, however, are a blessing in disguise giving you the opportunity to buy your very first home.

    • Federal Housing Loan (FHA)
      FHA loans are available for the first time home buyers offering competitive interest rates, manageable down payments, and more importantly lower closing costs. Closing cost is one of the major expenses when you borrow conventionally, making FHA loans a popular alternative. FHA loans are also easy to avail with a credit score of 580 or higher wherein you can make a downpayment of just 3.5% approximately of the purchase price.
    • U.S. Department of Agriculture loans (USDA)
      A home loan can be availed by nonagricultural applicants with the homebuyers assistance program sponsored by the USDA. There is no downpayment required in many cases if you have a credit score of 640 or higher. The loan payments are fixed and there are certain income limitations that will vary depending on the region where you plan to apply for a loan.
    • Native American Direct Loan
      There are two benefits of availing the loan available only for Native Veterans; no down payment needed and no need for private mortgage insurance. The loan can be availed for a period of 30 years with low closing costs and a fixed installment to be paid every month.
    • Veterans Affair loan (VA)
      U.S. military veterans can make the most of the first time home buyer Veterans affair loan. Veteran members who are on active duty or their spouses are eligible to apply for the loan. Similar to Native American Veteran loans, VA applicants do have to pay for private mortgage insurance and they can avail competitive interest rates. Most importantly there is no down payment required to secure the loan.
    • FHA Section 203(k) loan
      The section 203(k) rehabilitation program will allow first time home buyers to afford homes that are in need of renovation and a makeover. The cost of the improvements will be included in the total amount of mortgage or funds that need to be borrowed. The downpayment for this loan will be around 3% of the list price.
  • 5 best stocks to buy and hold

    Investing in stocks comes with its share of risks, which is why you have to understand the market and all the available options. While small companies offer affordable stocks, they can be volatile and carry a higher risk. Alternatively, you can opt for big companies that offer expensive stocks at a lower risk. Regardless, if you are looking to diversify your investment for better long-term outcomes, here are some of the best stocks: 

    Visa Inc.
    Visa is a company that enables payments through debit and credit cards. The cards are issued by the company, which coordinates with the merchant and the bank to ensure a smooth transfer of funds. The company is one of the top card companies in the world, and there are many factors that have contributed to its success, including global travel and a shift towards plastic money and digital payments. Currently, Visa is the number one leading payment processor in the world. The company was founded back in 1958 and currently offers services in more than 200 countries worldwide. 

    Microsoft Corp.
    Microsoft is one of the big five technology companies in the world. The tech giant has been developing software, hardware, applications, and games since 1975. The company is also responsible for the creation of the Windows operating system. It is also the mastermind behind the Office tools used in many workplaces globally. In 2016, the company also launched its own cloud computing software Azure which has also generated a lot of revenue for the company. Microsoft is also positioned to acquire new software that will be competing with the metaverse, and experts believe that the company is only going to grow in the future. It is believed to be a reliable long-term investment.

    Lowe’s Cos. Inc.
    Lowe’s is another company that has kept up its performance even during the recessions and is one of the best stocks to invest in for long-term growth. The company is one of the most well-known names across the globe. It produces home improvement products and has been consistently popular ever since it was founded in 1946. This, of course, is a feat in itself. The recession of 2020 had seen many hardware stores across the country close down. However, Lowe’s has managed to not only keep its profits but has also been able to multiply its stores in recent times. 

    Meta Platforms Inc.
    Meta, formerly Facebook, Inc., is one of the largest companies in the world. Recently, the company expanded from online social media applications and software to focus on building virtual reality and other advanced technology. The newly birthed company has seen some losses since its inception, however, it shows potential for long-term investment. The tech giant has also branched out into creating electronics and tech to be sold. 

    UnitedHealth is one of the largest healthcare companies in the world. The company offers insurance, healthcare, healthcare software, data consultancy, and other services. The stock for this company has been listed on the S&P 500 as well as the Dow Jones index. If you are looking to expand your investment portfolio into healthcare, this is a great option to check out. The healthcare firm also pays dividends to its shareholders on a quarterly basis. In 2022, the company is estimated to have a revenue of roughly $317–$320 billion.

  • What you need to know about unemployment loans

    In many cases, when a person is unemployed, they may be offered a loan from a high street lender. In this case, the rate of interest to be paid on loan will be very high and will also be accompanied by lending charges. Here is what to keep in mind while acquiring a loan when unemployed.

    Credit history: While trying to obtain any loan, it is essential to keep tabs on your credit score. A bad credit score will reduce your options of loans. Before attaining a loan, you should work towards improving your credit score. Every time you apply for a loan, it leaves a mark on your credit history, and if you get rejected by one lender, it gives the next lender a greater chance to reject you.

    Type of loans you can acquire: The best kinds of loans available are the best buy loans, and they have the most attractive terms and rates. These types of loans are usually reserved for creditors who have a good credit history and are employed. There are lenders who are willing to provide loans to creditors with bad credit history or those who are unemployed. The chances of finding such lenders are bleak, and most of them charge high rates of interest.

    It is always best to try and negotiate with lenders to get the rates to reduce by a little margin because it will be very difficult to pay back the full principal along with the interest when you have no job. It is also a good idea to borrow a smaller sum of money as you can pay it off faster. Money-Super-Market is a credit broker website that displays a list of all the lenders and their specifications. This website helps you compare the rates of interest of various lenders and makes it easier for you to find the most feasible solution to your problem.

  • All about the different types of financial aid

    Receiving a financial aid can make a big difference in the life of a student and is capable of unveiling more talent that could benefit the country and the world in general. Usually, this financial aid comes in various forms and from different sources. A sound knowledge of the different types of financial aids available can help a student take maximum benefits from these available funds.

    Financial aid is available in the forms of grants and scholarships, student loans, parent loans and work-study. The federal government provides the major portion of this financial aid.

    Grants come under a type of financial aid that one receives from the federal government, government or school of your state while schools and private corporations will award scholarships. Federal grants like Pell grant can range from $1 to $5,500 on the basis of your financial contribution.

    The amount that is borrowed from the federal government by the students which goes towards the payment of fees comes under student loans. These work in the same way as any other loan available except that the government makes sure that the loans given to the students have the most favorable conditions. One of these favorable conditions includes the direct subsidized loan which does not count in the interest in your studying years.

    There is also an option for the student’s parents to borrow a certain amount from the federal government to pay for their child’s college education. One of the most known parent loans is the federal plus loan.

    Finally, there is work-study which gives you an opportunity to either work on campus or in the local community and the wages for the work would be partially paid by the federal government and the rest by the employer. This kind of work is capable of covering some of your educational expenses.

    Financial aid can also be received from the government of your state, your school, your college or in the form of scholarships from various private organizations.

  • Paying inheritance taxes in the country

    As the name suggests, an inheritance tax is basically an amount the state government orders a person to pay who is entitled to gain money or property from the estate of a person who has passed away and left it to them. This is not to be confused with the Federal estate tax since that is paid out of the assets of the deceased person and not the beneficiary. Normally, the threshold for an estate tax is $1 million, and as a result, very few are required to pay it.

    When it comes to inheritance taxes, New Jersey, Nebraska, Pennsylvania, Maryland, Kentucky, and Iowa are the only six states that implement it. Besides, people living in these states have the safest option of naming the property after their spouse who is alive, to be relieved of the tax. However, state laws are always subject to changes; thus, checking with the official law agency goes a long way in avoiding complications. The tax rates may vary from 1% to 20%, depending on the property’s value and the amount of cash a person stands to inherit.

    However, inheritance taxes usually feature one or more beneficiaries who are appointed by the executor of the estate because the assets are so big that they need to be divided up. It is also the question of family and trusted allies. So, each beneficiary may pay a different amount of tax. It is often calculated by the inheritance amount left by the deceased person minus the tax rate of the amount category. For instance, a person leaves their beneficiary with $10 million and the State of Iowa charges 10% tax on an amount above $5 million. This means that the beneficiary stands to pay a tax only on $5 million, which comes up to $250,000.

    There is a strong possibility that some people may claim further exemptions or deductions on inheritance taxes to be paid depending on their relationship with the deceased person. Higher tax rates tend to apply to those who are not a part of the executor’s family. When it comes to children or relatives as dependents, they may be required to pay a certain amount of tax on a portion of their inheritance.

    You must also be careful when you receive an inheritance from a foreigner because it requires the filling of not just an inheritance tax form but also the IRS Form 3520 before mid-April.

  • The basics of term life insurance

    Life insurance is an insurance policy that provides a sum of money either on the demise of the insured person or after a specified period. A life insurance policy with limited coverage period is named ‘term life insurance.’ When the term ends, the owner of the insurance policy has to decide whether to continue renewing it or let the coverage come to an end. This is in total contrast to a permanent life insurance policy, which, as the name suggests, offers coverage throughout the life of the insured.

    The premiums paid for the term life insurance policy are used as the cost of the insurance coverage, to insure individuals against the loss of life. Based on the insured person’s age, their gender, quality of health and approximate life expectancy, they a medical team organized by the insurer, he fixes the premium amount that is to be paid. At times, even factors like the regular medications the policyholders are on, whether they are smoker or non-smoker, their occupation, and the family history of diseases also influence the premium amount to be paid.

    On the policyholder’s demise during the term of the policy, the amount of money stated in the policy is paid out by the insurer. This tax-free face value of the policy is usually transferred to the beneficiary of the insurance policy. On the other hand, if the term ends and the insured is still alive, there is no payment made to anyone by the insurer. However, term life insurance policies can be renewed after it expires, by the insured party.

    The least expensive among all types of life insurance policies, term life insurance is offered at a low cost because most policies do not hand over a payout to the insured, the death benefit. That is, the policy term ends before the life of the insured. This is why term life insurances are a viable option for insurance companies to sell.

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  • Hair loss products – Do they really work

    Thinning or falling of hair is nothing short of a catastrophe for anyone who is experiencing it. It is quite a common condition seen in modern times with all the pollution and stress that the present generation goes through. Some hair growth products can help reduce or control this hair loss though it cannot be reversed. Before we start out, let’s take a look at the reasons behind the hair loss:

    Chemical products such as hair dyes and styling products

    • Skin problems
    • Illnesses such as anemia
    • Medications
    • Heredity and genetics
    • Age
    • Menopause
    • Unexplained weight loss
    • Lack of essential nutrients in the diet

    When you have zeroed in on the reason behind hair loss, only then you would be able to treat it effectively. We lose hair on a continuous basis, and natural regrowth keeps happening at the same time, so we do not notice hair fall. But there may be times when hair is rapidly thinning so that the fall is more than the regeneration. A loss of about 150 strands is considered normal. Anything more than that on a regular basis is a matter of concern. You will need to get to the root of the problem to effectively control hair loss.

    There are some hair growth products that can help in getting fragile hair back to a normal, voluminous state. Vitamin supplements such as Folgen, Biotin, Dr. Formulas Hair Omega and low-level light therapy such as iRestore. Shampoos such as Hair Restoration DHT Blocking Hair Loss shampoo, Pura d’Or Anti-Hair Loss Premium Organic Argan Oil shampoo, Art Naturals’ Argan Oil shampoo can help in getting healthy hair and skin but need the support of medical treatments to be more effective.

    Treatments and hair loss products to some extent are helpful in hair regrowth or slowing down the fall. Hair loss is a treatable medical condition because when the underlying conditions are treated, then hair loss can be controlled.

    Some manufacturers market their product and treatments as more than what they are. Just like any other cosmetic product this industry is also rife with misinformation, false claims, and questionable products. There are medical treatments to stimulate hair follicles and improve blood circulation to promote hair growth. But beware of certain products that do not have medical backing. Low-level light laser therapy would be effective, but a hair loss brush might not work.

    Good diet and certain nutritional supplements not only enhances hair quality but also improves general health. Once a hair follicle is dead no amount of treatment or hair loss product can alter it. Only an FDA approved medical treatment has been proven to slow, stop or reverse hereditary hair loss.

    While hair loss is common in both men and women, men can experience hair loss and still be attractive while it can be devastating for women. Hair loss products are to be used with caution and by keeping expectations realistic, as one can end up spending lots of money and time on ineffective treatments.

    It is essential to talk to a medical professional before starting any hair loss products or treatment. Routine follow-ups will help to track the progress and to change the regimen if required. It would also help to avoid complications at a later stage. With advancements in technology, many new hair loss products in combination with medical treatments have been found to work well for both men and women. These when used correctly and consistently do their work of hair restoration effectively.

  • 7 Tablets That You Can Consider Buying

    Portability is the current trend. You always want to carry all your favorite things with you, wherever you go, if possible. Though it may not be possible for everything, it is absolutely possible with modern day computing gadgets.

    Calling them computing gadgets would probably be an understatement. Gadgets do a lot more. From entertaining us to helping us to do our jobs effectively, gadgets such as tablets are used in every possible way.

    Tablets are perfect in any setting as they are bigger than smartphones and smaller than your typical laptops. They are easy to carry and easy to use. Though the ideas and creations for a tablet were around for a long time, the 2010 Apple iPad made the biggest difference in this division.

    It changed the entire landscape by selling up to 300,000 tablets on its first day. Ever since there has been a lot of technological development and many companies have come up with different tablets. We have the latest 2-in-1 model laptops that can be used as a laptop or tablet, that are favorite among many.

    With so many models available, we provide you with a list of tablets that are currently trending.

    Amazon Fire

    Introduced in 2011 as the Kindle Fire, Amazon’s tablet has sold millions of tablets to date. With the latest Fire HD 8 and Fire HD 10 models, these tablets are still a favorite among the tablet users. They run on a customized version of Android OS called Fire OS. The two models differ in size and storage capacity, with Fire HD 10 model being the bigger version.

    Asus ZenPad

    Asus is one of the largest PC and IT hardware manufacturing companies in the world. It is no surprise that they came up with their own fine line of tablets. Their latest model is Asus ZenPad 3S 10. Running on the Android OS, it comes with a storage space of 64 GB. It is one of the best-rated tablets on the market.

    Lenovo Tab 4

    Lenovo is undoubtedly an IT giant with a long line of quality products available to their customers. They had many versions of tablets released from the time they entered the tablet market. The latest among them is the Lenovo Tab 4 which is a 16GB model and it’s fast enough for portable use.

    Huawei MediaPad M3

    The next in line is the Huawei MediaPad M3. This tablet is a premium range tablet from Huawei and it definitely deserves the title. Beautifully designed and with a strong hardware, this device has very good ratings and it is available at a reasonable price.

    Google Pixel C

    Google’s very own tablet is a bit older compared to the remaining models. It was released in 2015. With its design, features, and hardware, Pixel C is rated as one of the best tablets that exist today. Though Google has shifted its focus to smartphones, this tablet will definitely do the magic.

    Samsung Galaxy Tab S3

    The two biggest rivals in the IT industry currently are Apple and Samsung. Obviously, Samsung has pushed its claws into the tablet world as well. With a fantastic device such as Galaxy Tab S3, Samsung has proven its mettle. This range of tablets from Samsung can be used for various professional purposes and they do a great job at it.

    Apple iPad Pro

    Even with severe competition, when it comes to tablets, iPads are the best. The iPad Pro is an exemplary model and it is a fantastic piece for professionals, artists, and students. It is the best-rated tablet to date, though there are other versions such as the iPad and the iPad Mini.

    We would also like to mention the Microsoft Surface Pro. Though it is a hybrid 2-in-1 model, it is a fantastic device that is worth buying.

    With that, we want you to go through the specifications of each model and buy the best tablet within your budget. You can check for prices online and electronic stores.

  • The uniqueness of Pfaltzgraff tableware

    When it comes to owning some of the best tableware that is guaranteed to attract attention, one of the first names that come into mind is Pfaltzgraff. This is one of the most well known American tableware brands that specialize in top quality and exclusive flatware, dinnerware, and serve ware. With its beginnings going back to as early as 1811 in Pennsylvania, this brand is no doubt a joy to own. They provide you with the finest and wonderful variety of dinnerware products that excel in quality, service, and craftsmanship.

    Given below are some of the breathtaking varieties of Pfaltzgraff tableware to choose from
    Cambria: Everyday Cambria tableware boasts of contemporary and elegant designs that is perfect for daily use. It is uniquely handcrafted and exhibits exclusive shades and patterns that make choosing quite difficult for you.
    Winterberry: Winterberry dinnerware is classically sculpted and is one of the most popular holiday patterns of the US. Those bright holly berry motifs add brightness and elegance to the dinnerware making it an ideal gift for your loved ones too.
    Yorktowne: Authentic jugs and crockery from Pfaltzgraff comprises the classic stoneware design that came into vogue as early as 1967. With its classy deep blue floral pattern on that lovely white background, you are bound to fall in love with this beautiful collection of tableware.
    Filigree: If you are looking for white, you can stop your search here. The Filigree dinnerware comprises of intricate handwork of experienced artisans in classic white that provides you class as well as elegance in every sense of the word. The scalloped rims are detailed with embossed patterns that provide this dinnerware a regal and rich feel.
    Taos: This lovely tableware from Pfaltzgraff that comes in muted shades provides a stylish touch to your dinner table. The darkened interior of the mugs lend a captivating touch making it exotic and attractive to the eye.
    Plymouth: This beautiful tableware signifies the abundance of autumn season with lovely pumpkins and acorns set in a lovely cream background. The plates have scalloped rims that have been accented with gentle weathered lines that seem to flow on. The simple pattern will leave you enchanted and is just ideal for a simple get together or party.

    The above-mentioned patterns are just a few of the endless variety of designs and pattern of tableware that Pfaltzgraff has to offer you. Just browsing online will help you get an idea about their vast collection and make your choice easier.