Author Archive: Tamra Young

Advantages of Cryptocurrency System


We are almost in the digital era. Advancements in technology have led to the presence of numerous innovations. In the financial sector, we have witnessed the rise of cryptocurrency. Like some modifications, this digital currency has not had an easy time making its way into the market. When the word cryptocurrency comes up, many individuals think about Bitcoin. If you have Bitcoins, consider trading on There are several other types of cryptocurrency, but Bitcoin is more popular. The system relies on blockchain technology. It functions by creating a digital ledger that holds every asset. These are funds, physical property, and vehicles. If you want to get involved with cryptocurrency, it’s better to learn about its positive effects.


Nowadays, people prefer transactions to be less demanding. Traditional transactions need papers and feature costly fees. Digital trade makes the process straightforward. Cryptocurrency transactions do not require several parties, such as agents and legal appointees, who end up making the service expensive. When transactions involve these parties, there is likely a commission or agent fee included in the commerce. One gain of using the digital trading system is the elimination of the middle man. This factor also eliminates confusion and creates greater accountability.

Moving Assets

This technological system assists in building unique ways of trading. For instance, money contracts can incorporate third party approvals. Extra features can include schedules for completion and references. With this innovation in the financial sector, users can control and handle their trade solely. This is one of the main reasons transactions are fast and efficient.

Confidential Trade

online shopping
As noted above, traditional transactions could include several filing activities. On the other hand, the digital currency system will require little to no activities while transacting. Also, the technology allows users to restrict and limit the information shared when trading. The ‘push’ policy lets individuals keep their financial data secure from crimes such as identity theft.

Better International Transactions

From the benefits listed above, you should be able to note that cryptocurrency and other forms of financial technology are not subject to heft fees. Cryptocurrency’s person-to-person transaction system allows instant trade without issues.

Over the years, people have thought of this type of currency as favorable to the rich. However, the system shows the potential to help improve livelihoods and businesses. With some slight improvements and when put to good use, cryptocurrency can make a significant difference in the economic field. Currently, the system is still fresh, and it’s only right to give it some time before making a conclusive judgment.

Strategies for Getting a Small Business Loan

business loan

Getting small business loans can be challenging, but you can overcome this if you put some strategies in place. If you go the application process prepared, then you can quickly get the finance you need to grow your business. This means you get to show your lender that you are reliable can repay the borrowed loan on time.   You can easily get an SME loan taking into account the following tips.

Understand your Preferred Type of Loan

You must understand the kind of loan that will suit you best. When applying for SME loans, all you need is a line of credit. This, however, can significantly slow the process, and you may end up not getting the loan. Your loan can get approved easily if you know the type of loan you are applying for. When applying for a line of credit or merchant advance, your documentation will be less stringent than when applying for an SBA loan.merchant cash advance

Have your Documents Ready

The transparency of your business is a vital consideration for any lender when reviewing your loan application. The process of application can be seamless if you keep your tax records and financial accounting accurate and updated. Ensure the business has a system that keeps this information in an organized manner. You can consider hiring an accountant to help you with this instead of doing it all by yourself.

Demonstrate Cash Flow

Financial institutions usually want you to demonstrate enough cash flow if your business is existing. This will convince them that you can make monthly loan payments. They get to know this by analyzing your current debt and past tax returns. If the business is new, then you need to give your financial projections in detail. You can provide a financial plan which shows that you will be able to repay your loan monthly.

Work on your Credit Score

It is also essential to work on your credit by ensuring you pay your bills timely. You must meet a given kind of credit criteria before your loan can be approved, so your credit should be at its best. Avoid charge-offs, foreclosures, late payments, and bankruptcies to maintain good credit. Good credit is a vital part of your loan application process. It is also advisable to apply for one loan at a time instead of many loans at once. This is because lenders typically need your credit report, which may affect your credit and kill your chances of getting a score


Finally, it is vital to research the financial institution where you intend to apply for a loan. This is because the more you know about a given financial institution, your competition, and the industry, the better you will be positioned to apply and obtain an small business loan. You also have to understand how these loans work and their basic requirements.

Tips for Getting a Social Security Card

Social security

Living in America without the Social Security card might land you in trouble. The U.S is not like an African state where foreigner and citizens can bypass the laws of the nation. It is a state where everything must be in order following the federal rules governing the country.

Having the SSN gives, you guarantee over many things like opening a bank account and so on.

You Need Relevant Documents

Social security cardRelevant means original and accurate documents that will identify you in all the categories. To attain a social security card, you must have records to prove your eligibility in being able to apply for one.

The papers will run all the way from identifying your age, identity, and citizenship. Here the government needs all your information so that they can store data in their system. You have no lie to make in the future when finding in a crime.

Identify Your Age

Age is a number to other people when said loudly, but to the state, they need a piece of note confirming everything is right. You can prove your age in many ways. The birth certificate clearly shows your personal information. From the names to the period. Alternatively, the passport and hospital record can help you from the sin of doubt.

Valid Citizenship

Citizenship is a critical issue because many people want to stay in the U.S basing on their reasons. Foreigners will love the place and want to change their nationality. Prove you are a U.S citizen by delivering the U.S birth certificate or the U.S passport to the SSA office.

A Proof of Identity

The social security card will have not only writings but also the picture. You need to provide proof of identity with the U.S passport or the driver’s license.


Once you have all the documents ready, make sure you have originals and certified photocopies. The application will depend on your preference. You can apply online, physically or through a mailbox. By request, it means filling relevant forms from the original site or hard copies from the SSA office near you.

If you find it right when you do everything online, then go for it. The same scenario applies for those who prefer physical application due to delays in the form processing. Apply based on your calculations in mind.

Present Proof for Immigration Status

Immigrants also might want to get a social security card for their purposes. Maybe they want to live or invest in America. Kindly present your valid document from the Department of Homeland Security or a valid non-work reason if you plan to get the card.

Submit Your Application

Card and moneyThe mode of submission will depend on the application. Online submission will defer from the physical presentation. For the physical part, you will walk to the nearest SSA office to deliver the use while online applicants will submit online. Keep your social security card safe from theft and misplacement scenes because you will need a replacement.

Tips for Choosing the Best Insurance Company

insurance company

In anything that you do, your health should always come first. This is why choosing the right health insurance company should be approached carefully. Not all those health insurance companies that you see out there can serve you to the best of your interest. Some are after making easy money, and if you rush to make decisions, the chances are that you will fall their victims. Here are some of the things that you need to put into consideration anytime you are looking for a good health insurer. You can also compare private health funds for free by following the highlighted link.

The Coverage

A good and reliable health insurer is the one that has wide coverage. Matters related to health can rarely be predicted and this why you need to be sure that you are dealing with a company that is determined to serve you in the best manner possible. If something like cancer happens to you, do not be surprised how fast you will reach that limit. It is always recommendable that you choose a health insurer with the maximum coverage that you can afford.

Consider the Reputation

Nothing new under the sun. If you want to find the best health insurance company, then it is your responsibility to dig into the past of the company and get to learn more about the insurer. Like I said before, some companies are after taking advantage of their customers, and those are the types that you need to avoid by all means possible.

However, if you dig into the past of an insurance company, the chances are that you will learn a lot of things that will make it possible for you to make an informed choice. Take time to go through online reviews and see what other people think about the insurer that you have in mind. It is advisable that you go for those insurance companies that have a good reputation.

Your Budget

The amount that you intend to spend on your health insurance is another important consideration that you are supposed to make. While it is important to look for a good health insurance company, it is also good to find a policy that will perfectly fit into your budget. So for you to achieve that, you need to look for a company that provides their clients with many different options so that it is easy for you to choose what you think is affordable for you. However, it is good to note that having an insurance cover will always be a savior when the problem strikes.

Why Your Company Needs a Fleet Insurance Policy

car rental fleet

Every business needs a reliable means of transport to run its operations. If you are in the transport business, you might even need to have more depending on the volume of clients you deal with. Either way, you need to secure these priced assets. When it comes to insuring commercial vehicles, taking an individual policy for each might not be a prudent move. Instead, it is advisable to get one comprehensive policy for all of them.

fleet of trucks

It is your responsibility to keep your vehicles insured. An auto insurance plan is meant to protect other road users and your possessions as in the case of a comprehensive motor insurance plan. These benefits cut across both individual insurance policies and fleet insurance. You are legally mandated to insure your vehicles on the road or otherwise risk huge penalties as fines imposed by the relevant court. So you can never ignore the need to insure your vehicles provided it will get to the road.

Fleet insurance policies

Now that we understand the benefits of having an auto insurance policy, we need to look at the benefits of having a fleet insurance plan. Unlike individual car insurance, fleet insurance plans are recommended to companies with more than three cars. Individual plans are prescribed for individuals and companies with one to three cars.

Benefits of fleet insurance

There are many reasons most companies prefer getting fleet insurance and not individual policies. Why do they find fleet insurance policies appealing over individual policies? Read on!

Convenient: Handling multiple insurance documents can be cumbersome especially when the company involved owns many cars. A single policy document for all vehicle with has a single renewal date for all vehicles. The terms and conditions will always same.

Saves time and money: Another good thing about a fleet insurance policy is that they are economical. As such, fleet owners pay reduced amounts per unit without compromising the benefits offered by the policy.

fleet of cars

Flexible: Most fleet insurance policies offer a great deal of flexibility when it comes to the use of the vehicles in their fleet. In most instances, any driver is allowed to drive each vehicle in the entire fleet. This leaves you with more freedom to use your vehicles and little concerns to think about.

Finding the best policy for your fleet can be complicated. Since most business, owners are too busy to do this on their own, not forgetting that they need nothing less than the best cover, most of them resort to comparing insurance quotes online insurance review platforms. This way, one conveniently find a decent deal.

Save Money with Cheap Car Insurance

auto insurance

All of us hate the concept of insurance even when we know how important it is to be insured fully. While life insurance is the most important insurance cover, auto insurance is also almost equally important. It is very important that your car is covered against every possible exigency and a proper California auto insurance cover will take care of that.

Most people connect the safety of their car when they think of auto insurance. They want to get their money back when their car is stolen or has an accident. But what about your safety? What about the safety of your near and dear ones? A proper California car insurance will ensure that all this is taken care of. Even when you opt for cheap car insurance and are careful about choosing the cover, you will get multiple benefits that you thought were not possible.

Car insurance for some is almost more expensive than the car itself and, in California, that can mean huge bills on an already high cost of living. However, cheap car insurance is not only possible, but it is also surprisingly easy to find. The trick is finding a policy that keeps you covered while still being affordable. This is how you can reduce your insurance rates and still have good coverage when it comes to your car insurance policy in California.

Have a Good Driving Record

driving recordWhile this isn’t something that you can go back and fix, a good driving record free of at-fault collisions and damages is still one of the easiest ways to get cheaper insurance. When you have a clean record, insurance companies will see you as less of a risk, and therefore your policy can end up being more affordable. However and contrary to popular belief, because of inflation, it is unlikely that your insurance plan will decrease in cost as your driving record stays clean over the years.

Make Some Changes to Your Policy

Depending on your plan and policy, you may be able to downgrade or remove certain aspects to save money. This is a surefire way to reduce your monthly rates but bear in mind that is does mean you will carry more of the financial burden in the event of an incident. In general, there are three ways you can reduce your monthly limit by changing your plan:

Increase your deductible-You will be responsible for more money in the event of an accident but you will also pay less month-to-month.

Get rid of collision coverage-Most older cars will be write-offs in collisions anyways, so you can sometimes get away with collision coverage when operating older vehicles.

Go minimal-While this will stick you with more financial burdens in the event of an incident, getting the bare minimum coverage will reduce your monthly rates by a noticeable amount.

finding cheap insurance

Do Your Research

Like almost every major purchase, doing your research is extremely important and can lead to better products for less money. Insurance, while more complicated than most things you buy, is no different. Shop around for plans, get educated at places like Dairy Land Insurance, and always get as much information as you possibly can. By getting informed, you can start to understand what plan works best for you. It may not be the cheapest overall, but if you have the right information, it will be the most affordable plan for you overall.

Getting Affordable Car Insurance

Car Insurance

Having your car covered is essential because of the benefits you get to enjoy in case of any mishap or damages.  In most countries, it is compulsory for every motorist to have their vehicle insured. Insurance companies will compensate you in case of an accident. In auto insurance, car owners do purchase a policy that helps alleviate costs if an accident occurs. One is required to pay annual premiums to a car insurance company which will cover the costs linked to the damage of your car. Applying for auto insurance saves you from spending a lot from your pocket when it comes to repairing damage after an accident.

Some companies offer cheap car insurance, which you can apply. First of all, you should look at the kind of coverage they provide. Their reliability also matters becauseAuto Cover no one would want to work with a company that is not effective when it comes to settling claims. The type of insurance required by your country or state will guide you in choosing the best company. Discounts offered can also help you pick a suitable company. Most of them will consider offering you discounts depending on your occupation or history when it comes to driving. Affordable insurance is essential for any car owner. Here are some things you should do to get affordable car insurance.

Understanding your needs

You should understand your auto insurance needs if you are looking forward to getting affordable car insurance. Come clear on the type of cover you need for your car. Different types of insurance cover specific types of damages. Find out which risks you want to be included before signing up for any policy.

Shortlisting insurance providers

Auto InsuranceIf you are looking forward to getting an affordable insurance, then you should shortlist the different companies you want to work with. The rate at which a particular company is fast to attend to you or their clients can help one pick the best. They should be fast in attending to their clients and responding to their queries. You can get recommendations on the best companies from friends.

Understanding the fundamentals of car insurance

You should be in a position to know how auto insurance works when looking for affordable car insurance. Know some of the key procedures like placing a claim, when to do so and all the legal requirements for the process. You can read information from the right sources to have proper car insurance knowledge.

Common questions you should ask about pregnancy insurance


Pregnancy brings happiness and anxiety in equal measures. It is the best time for new parents as they will be adding a new member to their family. While you hope for an uneventful period, it could turn out to be a nightmare you least expected. But while you cannot do much to change the course of pregnancy, there is one step you can take to cover any unexpected tiding. Pregnancy insurance is your sure proof to get the financial muscles you will need when things get out of hand.

But before you get to take the cover, here are some of the questions you should ask about insurance related to pregnancy:


Do I need a pregnancy cover, anyway?

With your general health cover, you would think that all your needs are covered. But it is not every health cover will spread into pregnancy insurance. You should check whether this is included in your cover before you decide to or not. If your general health cover completely applies to pregnancy, there is no need for another cover. But if it is not covered, you should get insurance for pregnancy. You never know when this extra cover could come in handy and get you out of a sticky situation.


When should I get the pregnancy insurance cover?

Most health covers will need 12 months before they can mature and cover pregnancy costs. It is important to investigate when you will be likely to get the cover. To be safe, you should ensure you get the cover way before conception. This will ensure that you will not incur massive out-of-pocket expenses when your baby comes.


What kind of cover do I need?

Not all pregnancy covers are equal. It will depend on how deeper you dig into your pocket to pay for it. Before you sign up for a pregnancy cover policy, you should know what it covers. Many things come with pregnancies, and they should all be in the kind of policy you take. Do not be tempted by low-cost monthly covers because they may not cover all the necessary aspects. You should be sure that you are fully covered.


In case of complications, what happens?

Nobody wants to think of the worst-case scenario, but you have to be ready for anything. It is therefore important to want to know what happens in the event of complications. A good cover will take care of all scenarios, complications included.


How much will it cost you?

Of course you want to get the best care money can afford. But money is not as abundant as you would want it. You should understand the costs of your pregnancy cover. It should be an amount you will not have problem raising. You should look for something within your pocket. However, it should cover all the necessary aspects that come with pregnancy.

The importance of pregnancy cover cannot be emphasized enough. It saves lives of mothers and their babies. Everyone needs it to cover his or her financial back. With answers to these questions, you know what you should look for in a pregnancy cover.

The requirements for FHA 203k loan eligibility


You might be interested in buying a residential home which still has to undergo renovation. This will compel us to upgrade our living spaces. The FHA 203k program is a top recommended financing option. It has been purposefully designed to eliminate piling paperwork and ease the financing process. Previously home buyers would apply for several loans to purchase the fixer-upper. Today, those loans have been packaged under one FHA 203k Loan.

The requirements for FHA 203k loan eligibility

How does the home FHA 203k loans work?

financeThere are properties which are perfectly located yet require significant improvements to be undertaken. Without undergoing those repairs the home might not meet your standards. Lenders too might become difficult when asked to finance properties that need repairs. The FHA 203k make it possible for users to renovate these properties. Sometimes it is described as a fund and purchase loan that allows you to borrow and make the necessary adjustments.

You might be wondering whether you are eligible for the loan or not. What are the minimum credit scores one must have attained? Is the home open to first-time buyers? Just how much cash will you have stacked? For those who are worried about their FICO credit scores or the maximum loan amounts, briefly described are he eligibility benchmarks on the 203k loans.

Credit scores

Any loan request, whether home or car related, touches on your credit score. The FHA eases the process for property buyers to get such loans. You must have attained a minimum of 620 on your FICO score and meet a 3.5 percent down payment. Having this places you in a strong position when applying for the loan. Unfortunately, if your FICO score is below 620, other requirements will be considered.

First-time buyers

If you have never owned a home within the past three years, you fit into the bracket of a first-time buyer. There will be several loan options on avail – including the FHA 203k loan program. In as much as the 203k loans are best suited for first-time buyers, they are not limited to homeowners. As long as you reside or plan on living, your eligibility is guaranteed. Your previous history on homeownership does not affect your

Despite FHA loans being available to all, they are best suited for first-time homebuyers. Most first-timers do not have the liquidity to meet the down payment. FHA loans will only require a down payment of 3.5 percent. Other homeowners with low credit scores may find difficulty in getting approvals for their home loans. This brings them to the FHA 203k loan program.

Lending services

moving serviceThere are several institutions such as Mortgage Loan Originators that deliver the 203k loans. Their options depend on the severity and cost of your renovation plans. They will advise you on which of your home renovation plans meet their finance options. The most notable options available for the public are Standard consultant K loan and the Limited K loan.

Homes that require over $35000 in repairs and innovations are ideally suited for the Limited K loans. This Most of these homes lack structural or foundational damages. Repairs that exceed $3500 are earmarked for the Consultant K loans.

What You Need To Know About Permit and License Bonds

permit bond

Both permit and license bonds are special types of surety bond. Individuals starting businesses are required to have them before they are given their businesses licenses. A permit bond is meant to protect the end users or the consumers by ensuring that every business is abiding by all the regulations and rules.

Consumers are supposed to make claims when certain businesses fail to abide by certain regulations and rules. Such claims are made against the business permit and license bond. Main types of permit and license bonds include the following:

  • Freight Broker Bonds- deals with freight brokers
  • Motor vehicles Dealer Bonds- meant for the car dealersmotor dealer
  • Contractor license bond- deals with general, main and subcontractors
  • Notary Bonds-meant for the notary public
  • Money Transmitter Bond- this is for money transmitters

The following are the main facts that you need to know about these bonds:

Permit and license bonds don’t protect you

These bonds are not meant for protecting businesses. Instead, they protect other individuals. They are different from insurances that protect the insured persons and their businesses. In fact, this is like insurance for other people that have been paid by you. Nothing happens with your bonds if you happen to follow the law and fulfill all your duties. Your bond will only be claimed by other people whenever you break the law or fail to fulfill certain duties. People who break these laws are forced to pay every coin of that claim. Individuals who want to protect their premises should go for fidelity bonds.

No fortune is incurred on permit and license bonds

They have a specified bond amount. Individuals do not have to pay the full amount for them to get bonded. For instance, if you are required to get a bond of $ 20,000 for your profession, then you will only be required to pay a certain percentage or fraction of that amount instead of paying the entire amount. It might only cost you about $ 200. The rate paid depends on the credit score of a score

Businesses cannot operate without them

Anyone having a legitimate business is required to pay for this service. Otherwise, you might end up facing financial and criminal charges for operating illegally. Licensing is a must in any business. In some states, you can face a fine of up to $15,000 or a jail term of six months. Abiding by all the federal regulations and state regulations is highly recommended.


What you need to know about home warranty plans

A home warranty is a service agreement aimed at replacing or replacing a major home appliance. In most cases, this agreement often runs for one year. Unexpected appliance breakdowns can be not only costly but inconveniencing for most homeowners. Things can go from bad to worse if two or more appliance breakdown at the same time. On that note, this article takes a closer look at home warranties and why it is essential to have an active warranty cover.

What does a home warranty cover?

washing machine

The specifics of most home warranties vary considerably. However, most of these policies cover major appliances like ovens, refrigerators, dishwashers, microwaves along with plumbing and air conditioning systems. The coverage options often inform the typical value of a home insurance warranty. As a tip, you should not be tempted to go for cheap plans as you might find yourself at risk of spending on uncovered risks. Get through some home warranty company reviews to make an informed choice. Having a home insurance plan will undoubtedly come with peace of mind especially in the face of adversity.

Who qualifies for home insurance?

As much as every homeowner should have a home warranty, certain factors make some people in need of a warranty than others. That said, here are some crucial qualifiers to help you decide whether you need a home warranty or not.

Your appliances are old

The chances of having them malfunction or break down increases as an appliance gets old. As such, you should critically evaluate the condition of your household appliance by looking at things like brand, age, and even the warranty period. Critically assess and predict the possibility of having them break down and the costs of repairing or replacing them. With this info, you stand a better chance of determining whether you need a home warranty or not.

Strapped for time and cash

gas stoveMost people live on a tight budget. As such, they tend to be somewhat limited to take the financial hit when an expensive appliance breaks down. At times, repairing or replacing an appliance can be stressful for anyone with plenty of responsibilities to take care of. With a warranty plan, it becomes a lot easier to address these emergencies.

When planning to sell your home

Do you know that a home warranty can help you sell your home fast? A home warranty not only makes it easy to sell your home, but it also adds value to your home. Thus, if you have any intentions of cashing in on your home, it would be great if you considered purchasing a home warranty plan.