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  • Best Ways to Check Credit Score

    Best Ways to Check Credit Score

    If you’re looking to make a big purchase, like a car or a house, odds are you’re going to need a loan. The way lenders check to see if you’re eligible for that loan, of course, is your credit score. If you often pay bills on time and are financially secure, your score should be high but you should regularly check your score.

    Grab hold of your financial potential with free information about your credit score. Knowing your credit score is important because it helps you decide what your buying power is and what areas to focus on to improve this important score.

    There are many factors that go into determining a credit score, including employment status, credit history, and financial consistency. There are also several different types of credit scores rather than a standard way to measure creditworthiness. Although banks and lenders may have their own method to determine a credit score, there are ways that general consumers can monitor their credit activity and keep on top of the score as it changes over the years.

    If you’re looking to check your credit score you’ll want to do it for free. That’s where these free credit check sites come in!

    Best Free Credit Reports

    Credit.com

    Credit.com allows you to see your Experian and VantageScore results for free. VantageScore is a newer model of credit scoring that is usually more up-to-date than the traditional FICO score. You have to sign up for an account with Credit.com, but it’s a free process. The site is known for its credit report card, a quick glance at which things go into your credit. This way, you can see what factors you may need to address to get your score higher!

    Credit Karma

    Credit Karma has become the most popular of the free credit monitoring sites for many reasons. You’ve likely heard of this one. Credit Karma offers scores from TransUnion and Equifax, and both are shown as VantageScore. Credit Karma is a free site as well, and they don’t share customer information. If you’re looking for a no-frills credit check, you’re looking for Credit Karma. They offer a great mobile app, too.

    Quizzle

    Since 2008, Quizzle has been helping its customers understand their credit history and providing free access to their full credit report and credit score. Quizzle offers free Equifax and VantageScore reports. Once every three months you can see a free report of your score. Quizzle technically has a premium account too, though you’re better off just using the free functions. The free functionality doesn’t require a credit card, too.

    WalletHub

    WalletHub offers personal financial tools to users online. Their main product is offering a free daily credit score and report associated with it. WalletHub requires you to take a pre-screening questionnaire before you get your free score. Once you answer a few basic questions, such as your income and the last four digits of your Social, you get a TransUnion credit score. The report is similar to Credit.com’s credit report card, showing you what factors influence your score the most.


  • How to Straighten Teeth Without Braces

    How to Straighten Teeth Without Braces

    First things first: no one wants a bad-looking smile. Everyone wants their teeth to look straight and healthy! However, not everyone needs braces. If you have an underdeveloped palate, limited overcrowding or malocclusion, you might be able to fix your smile without braces.

    How to Straighten Teeth Without Braces

    Brands like Smile Direct and Invisalign have totally shaken up the orthodontics industry for the better. You used to have to go to your orthodontist for your first fitting and installation of regular braces. Depending on the severity of your particular case, you could have to visit the orthodontist as much as once a week to get your traditional braces adjusted.

    With the new technology that these other brands have, all of that effort is a thing of the past. Either book a 3D scan in our SmileShop or get an at-home kit sent to you. A licensed dentist or orthodontist will review your smile plan and guide your new smile remotely from beginning to end. You have the option to either book a 3D scan from your doctor or get an at-home kit sent to you. A licensed dentist or orthodontist will review your smile plan and guide your new smile remotely from beginning to end. Everyone’s gum-line is different, so each aligner is individually trimmed for your teeth and gums. In stead of having to go to get adjusted, these companies send you new molds to track your improvement and ship new aligners right to your front door.

    Palatal Expanders

    Orthodontists often suggest palatal expanders for children with mouths too narrow for their adult teeth. The expander is typically held in place by dental cement and is placed so that it applies pressure on both sides of the mouth. The expander has a mechanism that can be turned by the orthodontist to apply more pressure. Over visits with the orthodontist, the expander is gradually widened, causing the mouth to become wide enough to accommodate eventual adult teeth.

    If your child is suffering from a narrow palate, consider speaking with their orthodontist about expanders. It’s possible to avoid braces altogether with the aid of an expander!

    Retainers

    In the event of limited overcrowding of the mouth, retainers can be used to correct the issue. Orthodontists will often suggest retainers for less extreme conditions, as they have a number of benefits for certain patients. While fixed retainers are similar to braces, Hawley retainers are removable. Removable retainers are great for special occasions or temporary relief while still correcting crooked teeth or misaligned bite.

    If you opt for a removable retainer, the main risk is losing it. Retainers are made from a dental impression and specifically made for one patient. As such, they are expensive to replace. Make sure any children with retainers are aware of how expensive they are and to not misplace them.

    Appliances for Malocclusion

    Malocclusion, or an out-of-alignment bite, can be very discomforting. Those with malocclusion can often be helped by an orthodontist’s appliance, however. Appliances that orthodontists use to correct bite often look a bit extreme but are noted for how successful they are. Headgear used to correct malocclusion can look a bit goofy, but it’s well-worth the benefits of correcting a child’s bite!

    Children with headgear are often mocked by classmates, however, so orthodontists may have other treatments in mind that are more discreet. In such cases, an orthodontist can consult with parents over how best to proceed.


  • How to Straighten Teeth Without Braces

    How to Straighten Teeth Without Braces

    First things first: no one wants a bad-looking smile. Everyone wants their teeth to look straight and healthy! However, not everyone needs braces. If you have an underdeveloped palate, limited overcrowding or malocclusion, you might be able to fix your smile without braces.

    How to Straighten Teeth Without Braces

    Brands like Smile Direct and Invisalign have totally shaken up the orthodontics industry for the better. You used to have to go to your orthodontist for your first fitting and installation of regular braces. Depending on the severity of your particular case, you could have to visit the orthodontist as much as once a week to get your traditional braces adjusted.

    With the new technology that these other brands have, all of that effort is a thing of the past. Either book a 3D scan in our SmileShop or get an at-home kit sent to you. A licensed dentist or orthodontist will review your smile plan and guide your new smile remotely from beginning to end. You have the option to either book a 3D scan from your doctor or get an at-home kit sent to you. A licensed dentist or orthodontist will review your smile plan and guide your new smile remotely from beginning to end. Everyone’s gum-line is different, so each aligner is individually trimmed for your teeth and gums. In stead of having to go to get adjusted, these companies send you new molds to track your improvement and ship new aligners right to your front door.

    Palatal Expanders

    Orthodontists often suggest palatal expanders for children with mouths too narrow for their adult teeth. The expander is typically held in place by dental cement and is placed so that it applies pressure on both sides of the mouth. The expander has a mechanism that can be turned by the orthodontist to apply more pressure. Over visits with the orthodontist, the expander is gradually widened, causing the mouth to become wide enough to accommodate eventual adult teeth.

    If your child is suffering from a narrow palate, consider speaking with their orthodontist about expanders. It’s possible to avoid braces altogether with the aid of an expander!

    Retainers

    In the event of limited overcrowding of the mouth, retainers can be used to correct the issue. Orthodontists will often suggest retainers for less extreme conditions, as they have a number of benefits for certain patients. While fixed retainers are similar to braces, Hawley retainers are removable. Removable retainers are great for special occasions or temporary relief while still correcting crooked teeth or misaligned bite.

    If you opt for a removable retainer, the main risk is losing it. Retainers are made from a dental impression and specifically made for one patient. As such, they are expensive to replace. Make sure any children with retainers are aware of how expensive they are and to not misplace them.

    Appliances for Malocclusion

    Malocclusion, or an out-of-alignment bite, can be very discomforting. Those with malocclusion can often be helped by an orthodontist’s appliance, however. Appliances that orthodontists use to correct bite often look a bit extreme but are noted for how successful they are. Headgear used to correct malocclusion can look a bit goofy, but it’s well-worth the benefits of correcting a child’s bite!

    Children with headgear are often mocked by classmates, however, so orthodontists may have other treatments in mind that are more discreet. In such cases, an orthodontist can consult with parents over how best to proceed.


  • How to Straighten Teeth Without Braces

    How to Straighten Teeth Without Braces

    First things first: no one wants a bad-looking smile. Everyone wants their teeth to look straight and healthy! However, not everyone needs braces. If you have an underdeveloped palate, limited overcrowding or malocclusion, you might be able to fix your smile without braces.

    How to Straighten Teeth Without Braces

    Brands like Smile Direct and Invisalign have totally shaken up the orthodontics industry for the better. You used to have to go to your orthodontist for your first fitting and installation of regular braces. Depending on the severity of your particular case, you could have to visit the orthodontist as much as once a week to get your traditional braces adjusted.

    With the new technology that these other brands have, all of that effort is a thing of the past. Either book a 3D scan in our SmileShop or get an at-home kit sent to you. A licensed dentist or orthodontist will review your smile plan and guide your new smile remotely from beginning to end. You have the option to either book a 3D scan from your doctor or get an at-home kit sent to you. A licensed dentist or orthodontist will review your smile plan and guide your new smile remotely from beginning to end. Everyone’s gum-line is different, so each aligner is individually trimmed for your teeth and gums. In stead of having to go to get adjusted, these companies send you new molds to track your improvement and ship new aligners right to your front door.

    Palatal Expanders

    Orthodontists often suggest palatal expanders for children with mouths too narrow for their adult teeth. The expander is typically held in place by dental cement and is placed so that it applies pressure on both sides of the mouth. The expander has a mechanism that can be turned by the orthodontist to apply more pressure. Over visits with the orthodontist, the expander is gradually widened, causing the mouth to become wide enough to accommodate eventual adult teeth.

    If your child is suffering from a narrow palate, consider speaking with their orthodontist about expanders. It’s possible to avoid braces altogether with the aid of an expander!

    Retainers

    In the event of limited overcrowding of the mouth, retainers can be used to correct the issue. Orthodontists will often suggest retainers for less extreme conditions, as they have a number of benefits for certain patients. While fixed retainers are similar to braces, Hawley retainers are removable. Removable retainers are great for special occasions or temporary relief while still correcting crooked teeth or misaligned bite.

    If you opt for a removable retainer, the main risk is losing it. Retainers are made from a dental impression and specifically made for one patient. As such, they are expensive to replace. Make sure any children with retainers are aware of how expensive they are and to not misplace them.

    Appliances for Malocclusion

    Malocclusion, or an out-of-alignment bite, can be very discomforting. Those with malocclusion can often be helped by an orthodontist’s appliance, however. Appliances that orthodontists use to correct bite often look a bit extreme but are noted for how successful they are. Headgear used to correct malocclusion can look a bit goofy, but it’s well-worth the benefits of correcting a child’s bite!

    Children with headgear are often mocked by classmates, however, so orthodontists may have other treatments in mind that are more discreet. In such cases, an orthodontist can consult with parents over how best to proceed.


  • How to Straighten Teeth Without Braces

    How to Straighten Teeth Without Braces

    First things first: no one wants a bad-looking smile. Everyone wants their teeth to look straight and healthy! However, not everyone needs braces. If you have an underdeveloped palate, limited overcrowding or malocclusion, you might be able to fix your smile without braces.

    How to Straighten Teeth Without Braces

    Brands like Smile Direct and Invisalign have totally shaken up the orthodontics industry for the better. You used to have to go to your orthodontist for your first fitting and installation of regular braces. Depending on the severity of your particular case, you could have to visit the orthodontist as much as once a week to get your traditional braces adjusted.

    With the new technology that these other brands have, all of that effort is a thing of the past. Either book a 3D scan in our SmileShop or get an at-home kit sent to you. A licensed dentist or orthodontist will review your smile plan and guide your new smile remotely from beginning to end. You have the option to either book a 3D scan from your doctor or get an at-home kit sent to you. A licensed dentist or orthodontist will review your smile plan and guide your new smile remotely from beginning to end. Everyone’s gum-line is different, so each aligner is individually trimmed for your teeth and gums. In stead of having to go to get adjusted, these companies send you new molds to track your improvement and ship new aligners right to your front door.

    Palatal Expanders

    Orthodontists often suggest palatal expanders for children with mouths too narrow for their adult teeth. The expander is typically held in place by dental cement and is placed so that it applies pressure on both sides of the mouth. The expander has a mechanism that can be turned by the orthodontist to apply more pressure. Over visits with the orthodontist, the expander is gradually widened, causing the mouth to become wide enough to accommodate eventual adult teeth.

    If your child is suffering from a narrow palate, consider speaking with their orthodontist about expanders. It’s possible to avoid braces altogether with the aid of an expander!

    Retainers

    In the event of limited overcrowding of the mouth, retainers can be used to correct the issue. Orthodontists will often suggest retainers for less extreme conditions, as they have a number of benefits for certain patients. While fixed retainers are similar to braces, Hawley retainers are removable. Removable retainers are great for special occasions or temporary relief while still correcting crooked teeth or misaligned bite.

    If you opt for a removable retainer, the main risk is losing it. Retainers are made from a dental impression and specifically made for one patient. As such, they are expensive to replace. Make sure any children with retainers are aware of how expensive they are and to not misplace them.

    Appliances for Malocclusion

    Malocclusion, or an out-of-alignment bite, can be very discomforting. Those with malocclusion can often be helped by an orthodontist’s appliance, however. Appliances that orthodontists use to correct bite often look a bit extreme but are noted for how successful they are. Headgear used to correct malocclusion can look a bit goofy, but it’s well-worth the benefits of correcting a child’s bite!

    Children with headgear are often mocked by classmates, however, so orthodontists may have other treatments in mind that are more discreet. In such cases, an orthodontist can consult with parents over how best to proceed.


  • 7 Signs and Symptoms of Addiction

    7 Signs and Symptoms of Addiction

    When you discover that a friend or family member has a problem with drugs or alcohol, it often comes as a huge surprise to you. But secrecy is the drug on which addiction thrives, so it’s not really that odd that you were in the dark.

    Addiction grows worse over a sustained period of time, and there are some indicators that may give you an idea something is wrong with your loved one before the bottom falls out.  Here are the 7 signs and symptoms of addiction you should look for if you suspect someone you love has a problem with drugs or alcohol.

    7. Change in Behavior

    As people’s addictions get bigger, their lives start to change and the things that they value the most begin to fall away. Depression sets in, and suddenly they stop doing activities or hobbies that they once loved, or maybe their mood becomes erratic. An example of a change in behavior that’s worth noting would be when a person who values health and fitness abruptly stops exercising or eating well.

    6. Change in Friends

    This sign isn’t always the easiest area to recognize, because it’s fairly normal for friendships to fade and new people come into our lives. But when normally social people stop hanging around with their usual group of friends with no explanation, it’s important to take notice — especially if there wasn’t an event that precipitated the change. Or, maybe there’s a new person in their life that just doesn’t seem to be someone they would normally be friends with. This can be a telltale sign that something funky is going on.

    5. Job/Career Issues

    When addiction takes hold, inevitably some issues are going to come up at work or school. Over time, addicts becomes less capable of hiding performance flaws in areas of their lives that are under the microscope. If a normally responsible person is missing deadlines or not following through on commitments, this could be an indicator that something’s up.

    4. Legal Issues

    Addiction is likely to create a bevy of legal issues that are going to make it hard to ignore that something is going on. A DUI or getting thrown in the clink for a drunk and disorderly is an obvious tell that your loved one’s judgment is off. But there are also less obvious signs, like doctor shopping or frequenting ER rooms. And addicts can justify their behavior so that they make you feel foolish for asking why they have so many doctor appointments. But if you think something’s wrong, go ahead and ask anyway.

    3. Family Strain

    Relationships with family are often jeopardized when people develop an affinity for drugs or alcohol. Early on, it may reveal itself in behaviors like retreating to their room after work or spending too much time with their face in the computer, playing games or surfing the Web. Communications become strained, and the addict stops showing up to family engagements, or maybe even to dinner. If you feel a substantial shift in your relationship with a family member, you should start asking questions.

    2. Physical Changes

    Extreme physical changes are a big indicator of a problem. Maybe they’re getting scraggly and smelly because they’ve stopped grooming or showering.  A noticeable weight loss or gain can be a symptom, and the same goes for a change in eating and sleeping habits. For example, crystal meth addicts can stay up for days, then crash and sleep for days. When they eat, they’re likely to ravenously consume sugary foods.

    1. Personality Changes

    In an adult brain, defined as a brain that’s 24 years or older, there are really only three things that are likely to cause a profound personality change in someone. Substance abuse or chemical dependency, mental illness and or a physical ailment, such as a brain tumor are the three things that can cause a profound personality change. Mind you, this isn’t the same as watching a person get a little down in the dumps, or go through a period of anxiety. Profound personality changes are much more extreme. If you witness this, it’s advised to reach out to a professional for guidance and counseling on how to address your loved one.


  • Best High Yield Online Savings Account

    Best High Yield Online Savings Account

    After years of low interest rates, there is a pricing war happening for online savings accounts. Long gone are the days of 0.01% APY. If you are willing to open an online savings account (which is FDIC insured), you can now easily get a 1.85% APY or higher.

    Interest rates are only increasing online: traditional brick and mortar banks continue to pay very low rates. A typical savings account at a big bank only pays 0.01% APY. The best online banks offer perks like no minimum balance, ATM access and much higher interest rates than the average savings account. Here are the best online savings accounts (and this post is updated regularly).

    1. High Rate: Goldman Sachs Bank USA – 1.85% APY, no minimum balance (but no ATM access)
    Our advertiser Marcus by Goldman Sachs, the consumer bank of Wall Street giant Goldman Sachs, offers a 1.85% APY on deposits. There is no minimum balance and there are no transaction fees. Upon opening the account, you can deposit funds via electronic transfer, wire transfer, or deposit by check. You can get access to your funds via electronic transfer or wire transfer. Goldman has been investing heavily in Marcus, its online consumer bank. Marcus is already offering some of the best savings accounts and personal loans in the market, and further expansion is expected. The savings account has consistently been paying one of the highest rates in the market. With a 1.85% APY, you can get one of the highest rates in the market from a well-known brand. The maximum deposit is $1,000,000 and deposits are FDIC insured up to the $250,000 limit.

    2. High Rate: Synchrony Bank – 1.85% APY, no minimum balance (and ATM access)
    Synchrony Bank pays a healthy 1.85% APY. There is no minimum balance requirement and no monthly fee. In addition to the great rate, you can get an ATM card. Most internet-only banks require you to transfer funds electronically, which can take a few days. If you ever need quick access to your funds, the ATM card makes access easy. You might not recognize the Synchrony brand, but it is a large, well-capitalized business. Synchrony used to be a part of General Electric (GE), and was spun out as a separate company. Unfortunately, the digital experience is not the best and there is no app.

    3. High Rate: Barclays Bank – 1.85% APY, no minimum balance
    Online Savings Account from BarclaysBarclays is a large, old British bank, based in London and with more than 325 years of history. Although Barclays is huge in the United Kingdom, it is a challenger brand in the US. Barclays offers savings products with highly competitive rates. These deposits are used to fund their rapidly growing American credit card business. The online savings account has a 1.85% APY with no minimum balance to open and no monthly fees. Your deposits are FDIC insured up to the legal limit. The Barclays website has a good look and feel. And you can have the confidence of keeping your money with one of the world’s largest and oldest universal banks.

    4. Top Choice: Ally Bank – 1.85% APY, no minimum balance and you can get a free checking account
    Online Savings Account from Ally BankAlly is a bank without branches that has consistently been paying high interest rates on savings accounts. Ally has no minimum balance requirement and will pay 1.85% APY. Even better, you can open a free checking account (also with no minimum balance requirement). This makes access to your savings account incredibly easy – because you can transfer funds online (or via the app) and have immediate access via checks, debit cards and ATMs. With an Ally account, you will have access to their full suite of expanding (and market-leading) products.

    5. High Rate: American Express National Bank – 1.80% APY, no minimum balance (and no fees)
    High Yield Savings Account from American Express National BankOur sponsored advertiser, American Express National Bank, offers a Personal Savings account, which earns a 1.80% variable APY. The account charges no monthly fees and requires no minimum deposit, making it an affordable account to open. You must fund your account within 60 days of applying for the account, and the FDIC insures your deposits up to $250,000. Overall, the account is a great option for anyone who wants the flexibility of earning a high interest rate on a sum of money you’ve stashed away, minus the withdrawal restrictions of a certificate deposit.

    6. Highest Overall Rate: Northfield Bank – 2.25% APY, $0.01 minimum to open
    Northfield Bank is headquartered in Woodbridge, NJ and is mainly a brick-and-mortar bank with locations in Staten Island and Brooklyn, NY and New Jersey. However, they are currently offering an online savings account, which they have named the Platinum Savings Account, with an incredible 2.25% APY. The APY applies to balances below $100,000. If your balance exceeds $100,000 the APY will drop to 0.90%. While you’ll only need a penny to open the account, you’ll need to maintain an average daily balance of $2,500 per statement cycle. If the average daily balance falls below $2,500, you’ll be charged with an $8 fee. If you currently have an account with Northfield Bank, you won’t be able to open this account as they require new money only. This bank does have a mobile app, so you can conveniently manage this account on the go.

    Note: Northfield Bank is primarily a brick-and-mortar institution that is trying to offer online options to consumers nationwide. A little patience may be required when filling out the online application and funding the account. If you’re not comfortable with depositing funds with an institution that is learning its way through online banking, we recommend choosing a more established online bank found within this list. We would be remiss, however, if we didn’t include this incredibly high-rate online savings account to this list.

    7. High Rate: Vio Bank – 2.10% APY, $100 to open
    Vio Bank is the online division of MidFirst Bank, a national private financial institution. MidFirst Bank has over $15 billion in assets. Vio Bank was recently created and launched strong with a High Yield Online Savings account offering 2.10% APY on all balances. You only need $100 to open the account. You can fund the account via ACH. There are a few limitations to keep in mind: incoming ACHs take anywhere between two to five business days to post and the online bank may place a hold your ACH for two or three business days. When you’re ready to transfer funds out of the account, you’ll be limited to $2,000 per outgoing ACH. You’ll also be limited to transferring an aggregate monthly total of $6,000 via outgoing ACHs. As is with every other savings account, you’ll also be limited to making six withdrawals per monthly statement cycle. The good news (aside from the high APY) is that Vio Bank doesn’t charge a monthly maintenance fee. You’ll have to do all of your banking online for the time being as this online bank doesn’t currently have a mobile banking app, but according to the website, it’s coming soon. Fortunately, Vio Bank’s website is mobile friendly so it should be fairly easy to do your online bank from a smart phone.

    8. High Rate: Salem Five Direct – 2.05% APY, $100 to open
    Salem Five Direct is the online bank division of Salem Five Cents Savings Bank, a community bank based in Salem, Massachusetts. Salem has been around for more than 150 years and all deposits are insured by the FDIC up to the legal limit. You only need $100 to open this account, and there are no monthly maintenance fees. However, they do have a few limitations to be aware of. First, according to their online banking agreement, Salem Five Direct limits the dollar amount of their External Transfers to $5,000 per transaction, $5,000 in aggregate per day, and $20,000 in aggregate per month. So, if you decide to have more than one account with them, like their money market account, they’ll look at the aggregate amount of External Transfers conducted from both the savings account and money market account. Second, account holders are limited to six withdrawals per statement cycle due to Federal Regulations. If you exceed the six withdrawal limit, they’ll charge you $10 per additional transaction. Finally, the web and mobile experiences are not great. But, if you give them a call (which we have done), you will get friendly service from a community bank. While this bank does offer one of the best rates for an online savings account, we want you to be aware of their limitations.

    9. High Rate: Citizens Access – 2.00% APY, $5,000 minimum balance amount
    Citizens Access is the online division of Citizens Bank. This division was recently created to provide the best savings rates to consumers. While the online division is brand new, the bank its backed by isn’t. Citizens Bank has been around for a while and has grown to have over $122 billion in assets. While you need to deposit and maintain a minimum balance of $5,000 to earn the 2.00% APY, you’ll be funding an account that comes with no fees. If your balance happens to fall below $5,000, the APY will drop to 0.25%. One downside to this online-only bank is that they don’t currently have a mobile banking app. This means that you’ll have to do all of your banking through their website. Luckily, their website is mobile-friendly.

    10. High Rate: Utah First Federal Credit Union – 2.25% APY, $50 minimum balance amount
    Utah First Federal Credit Union was established in 1935 during the Great Depression by German immigrants in Salt Lake City, Utah. They were trying to bring their families to America but were having trouble acquiring the funds they so desperately needed. So, with just $115, this resilient group built a credit union so that they could say ‘yes’ to those in need within their community. While this credit union had a humble beginning, they currently hold over $377 million in assets, have multiple locations in the state of Utah, and serve many more through a co-op network. Anyone can become a member by donating $5 annually to the Community of Volunteers of Utah. Once you become a member, you can open a Dedicated Savings Account with a $50 deposit to start earning the 2.25% APY.

    11. High Rate From A Credit Union: Alliant – 1.80% APY, $5 to open and ATM access.
    People love credit unions. Because credit unions are owned by their members, you can get a higher interest rate on your savings (and lower interest rates when you borrow). Alliant is one of the best credit unions in the country, offering some of the best rates on your savings. In addition, Alliant has a great website and digital experience. Anyone can join the credit union and you only need $5 to open the account. Be aware, however, that when you go to apply for this account, Alliant will pull a soft credit inquiry for all applicants. Alliant also mentions that if you have a credit freeze, you won’t be able to apply unless you temporarily release the freeze.

    Runner-Up: For Small Balance Savers – Digital Federal Credit Union – 5.12% APY up to $1k
    Primary Savings from Digital Federal Credit Union (DCU)Digital Federal Credit Union (DCU) currently offers a nice account for people who are just starting to save. You can earn an APY of 5.12% with their Primary Savings Account. You will only earn that rate on deposits up to $1,000. Once you have more than $1k, you should consider other accounts on this list. It is a credit union – and your deposits are insured by the NCUA up to the legal limit. Anyone can join the credit union by donating to one of their participating organizations such as Reach Out for Schools, which has a membership fee of $10. You’ll be able to join one their participating organizations when you go to open your account with DCU. DCU is also part of a nationwide CO-OP network that allows their members to have access to shared branches and surcharge-free ATMs throughout the U.S.

    How to Find the Right Account For You
    Take a moment to calculate how much you could earn using our free saving account comparison tool. Enter your zip code and how much you have to save and you’ll see the best savings accounts for you and save more this year. If you have a large balance, the tool might find better options than the no minimum balance options we’ve listed here.

    If you are willing to lock your money into a longer term, consider a certificate of deposit. You can find the best CD rates here.

    Your money deserves more than 0.01%. At that rate you’re basically giving a free loan to the bank, not a favor they’d return to you!


  • Which Mobility Scooter is Right for You?

    Which Mobility Scooter is Right for You?

    So your mobility isn’t what it used to be… no problem! Today, some insurance companies will actually help with coverage on a mobility scooter, or even pay for the whole thing. Check it out for yourself! Either way, it may be worth checking them out and seeing if it fits your lifestyle. With that in mind, let’s look at the top ten mobility scooters.

    Drive Medical Phoenix Heavy Duty

    A heavy, sturdy scooter for a great price, this one is a good pick. This one has a headlight, which is good for darker areas. It also has a basket in the front for carrying things, making it great for grocery store trips! The seat is customizable, broad and comfortable. For $1,200, this is a great heavy-duty pick.

    Pride Mobility Go-Go Sport

    This scooter is notable for its four-wheel drive and durability. It’s not terribly fast, topping at 4 MPH. That said, it’s rugged and durable, and works great when outdoors! If you like being outside and enjoying the sunlight, this is a great pick! For a combination of durability and mobility, check out the Go-Go Sport!

    E-Wheels EW-72

    A stylish and slick scooter, the E-Wheels EW-72 has a look inspired by classic cars! For those looking to really zoom, this scooter has a top speed of 15 MPH! As a heavy-duty scooter, it works quite well, as it has a top weight rating of 500 pounds! If you’re looking for a great, stylish, heavy-duty scooter, this is a great choice for you!

    Transformer Electric Folding Mobility Scooter

    Another great choice for carrying in a trunk and carrying around with you, this transforming scooter is pretty neat. It folds up into a nice, compact shape so it can go anywhere with you! The battery is airline compliant, so it can fly with you, which is great for those who fly often. If you’re on the move and need a scooter that can keep up, this is the one for you!

    E-Wheels Jellybean Electric Scooter

    The second E-Wheels scooter on our list, this one is also quite heavy-duty! This one is three-wheeled, though, so it’s got a bit of a different construction from some others on this list. The best thing about this scooter, though, is the high speed! It tops out at 18 MPH, which makes it a serious scooter! It has a great battery, too, offering up to 45 miles on a single charge. This one also has an anti-theft alarm, which is great! It sports a huge back-mounted basket, perfect for trips to the market.

    Spitfire 420 Ex

    Another great scooter, this one has interchangeable panels in different colors. The panels come in red, blue and silver, and are easy to change out! It also boasts quick-connect batteries, a comfortable seat and padded armrests. The wheels are anti-tip, which makes this a very safe pick. The front-mounted basket even has an interior lining, which is great for shopping. If you’re looking for a good mobility scooter for medical reasons, such as old age, this is a good pick.

    SmartScoot Lithium Foldable Travel Scooter

    This folding scooter is great to throw in the trunk or backseat and carry with you to a destination. The best thing about this scooter: the battery! It has great battery life for how portable it is for travel. It lasts for up to 12 miles! It also breaks down into three parts, and only weighs 27 pounds.

    Drive Medical Scout 3 Wheel

    At the very low price of right around $600, this three-wheeled scooter is a popular choice. A little less expensive than its four-wheeled counterpart, this one is a good value. The drawbacks to this scooter include its three-wheeled construction, slightly low battery life and make. There are more comfortable, high-end scooters, but if you’re looking for a good bargain, this is it. This scooter is the most affordable on our list!

    Best Value: Drive Medical Scout Compact 4 Wheel

    For those on a budget, the Drive Medical Scout Compact is a very popular choice. At $700, it’s a fantastic value, and it shows in its popularity. It’s a good scooter, with all the trimmings you’d expect from a medical mobility scooter. Older customers on a fixed income love the low price, and the price doesn’t compromise the quality. This one also has interchangeable panels in red and blue, so you can change your style! A great value for the money for those looking to save.

    Best Overall Mobility Scooter: Shopride Sunrunner

    If you’re looking for an especially comfortable scooter, look no further than the Sunrunner! It has a 300-pound capacity and a huge 25-mile battery. You can opt for a headlight, which is quite useful. It has a front basket, perfect for shopping. The star of the show is the big, comfortable seat, though. You can’t beat the level of comfort on display here! It’s hard to find something this premium and high-quality for this price! It retails for $1,500 but can often be found on sale for less.


  • Goodbye MoviePass

    Goodbye MoviePass

    It is now time to dump Moviepass. I have been an avid supporter and a celebrated recruiter for Moviepass. I’ve championed Moviepass to everyone I know and gained many subscriptions for the Movie Theater subscription company. Unfortunately, with a heavy heart, I am today canceling my subscription. Why say goodbye MoviePass you ask, 3 Big reasons, lets talk about them.

    Dumping MoviePass Reason 1

    It is no longer unlimited. If you have been following my post regarding MoviePass and the scores of negative press perpetrated my the fake news media arm of Hollywood, you would be very familiar with MoviePasse’s woes. At its hay day Moviepass was hemorrhaging money allowing all of us to see whatever we wanted at the theater for $9.99 a month. All month I would see what ever Hollywood could throw in to the theaters along with all the movies I have been anticipating. Now Movie pass has cut my subscription to a measly 3 movies a month.. It is still a good deal and I will see at least 3 movies a month. Lets’ move on to reason numbered 2.

    Reason Number 2

    I have a reduced selection of what I can see. It changes daily and is different from theater to theater. No longer Can I plan on seeing a movie, I have to check day of for a time I can see a movie, and it’s never available. Coupled with no new releases, and bad show times. It has become impossible to actually viably use it. Now I’m paying $9.99 a month for 3 movies I probably don’t want to see at a time I don’t want to go to the movies. Still so what, its only $10 and will push me to the movies and the theater experience. Ok fine, but now on to the straw that broke the camel’s back.

    Who is That

    AMC A-list. Now I can see the hit job Hollywood put out of MoviePass. If successful It could alter the long time strangle hold the Hollywood studio elite has on distributions. All moral outrage and conspiracy’s aside, The AMC A-List is a really great option. It took a while for AMC to come up with a MoviePass competitor, but all signs seem to indicate that the service is a success.

    AMC has an advantage, they own the theater. The Subscription plan, aside from being more stable, is letting me see three movies a week for a monthly fee of $19.95. It’s not Unlimited but it is more than enough. I can see them all in one day or whenever I want. I can reserve seats and buy advance tickets. It even lets me go to advanced screening and premiers. There is only one catch, I have to go to AMC only theaters, I don’t really have one of those around…

    GoodBye MoviePass

    So Long MoviePass, I’ve found a new theater date. And No, your idle threat of not letting me return to you for 9 month isn’t changing my decision. I would consider returning, Maybe one day when you have evolved to stop being so useless. For now it’s GoodBye MoviePass.

  • 5 “Smart Home” gadgets every house should have…

    5 “Smart Home” gadgets every house should have…

    It’s 2018 folks, and the future is here. Astronauts are driving Tesla’s through space and the Reese’s company is doing some really innovative stuff with popcorn. With all this technology around us, it’s easy to take it all for granted and we sometimes don’t get all the use we can out of it and take advantage of smart home gadgets.

    And the most important place you can use all this cool tech to your advantage is right in your very own home. Here are some amazing new smart home gadgets to make your life easier…

    1. The iRobot Roomba

    Ever since it’s inception in 2002, the Roomba vacuum has been an integral piece of smart home tech. With the ability to program this round robot to vacuum your home 7 days a week it can be a real time saver. With the latest 980 Model, the Roomba is more advanced that ever. With cutting edge mapping technology and dirt detection programs, this “set it and forget it” vacuum is a must have! For dog or pet owners life myself, I can stress it’s value enough. I have a lot on my plate and one thing I don’t to concern myself with is the daily sweeping thank to “Roger the Roomba”. Yes I named my Roomba, he’s family, folks. Word of advice…there are several competitors is the robot vacuum department, do yourself a favor and stick with the iRobot Roomba. You may a little more, but in this case “you get what you pay for”. This was been probably the best $900.00 I’ve ever spent.

    2. The Nest Thermostat

    Coming in at a price tag of $279.00, the Nest Thermostat is well worth the extra cost. Thanks to it’s smart and adaptive AI, the Nest knows when your home and learns your work schedule to monitor the A/C usage. You can also control the thermostat right form your Nest App on your mobile device to fine tune your A/C needs. For a native Floridan like myself, A/C usage and consumption is a real beast you have to tame. In the summer months, electric bills can soar thanks to primitive thermostats. There is nothing like a thermostat shutting down for the day knowing your at work, and then turn on a half hour before you get home so you don’t walk into a hot and muggy house. It’s just bliss. Once I had installed the Nest, I noticed an immediate 50% drop in my A/C consumption and a large drop in my electric bill respectively. This is a must have in your home.

    3. Brilliant Light Switch

    With the ability to control your homes, light, music, ambiance, and even take pictures with voice commands, the Brilliant light switch is a 2018 must have gadget for your home. Brilliant light switch also connects to several of your home’s smart gadgets such as Nest, Alexa, Sonos Speaker, Ring doorbell system, and more. Starting at $200.00 per panel, Brilliant Switch is a costly addition but this innovative new gadget gives your home a brain.

    4. Amazon Echo and Echo Dot

    This smart home “must” is quickly finding it’s way into every home, world wide. Alexa and Echo Dot, is a voice-controlled system that used to play music, make calls, send and receive messages, read the news, set alarms, and even order and Uber or takeout! With the capability of syncing up to Amazon-Fire, Apple Music, Audible, Pandora, and more, you easily find usage and justification for this piece of smart tech in your home. At a price tag of $150.00, the Amazon Echo has many uses to help in your home and is a fantastic smart home gadget. Word to the wise, Alexa has a built in microphone for consumer purposes that is ALWAYS LISTENING…Use responsibly. 

    5. The Ring II doorbell system

    The Ring Video Doorbell, provides you with the capability to see who is at your door from the safety and comfort of  your bed or couch. It lets you accept or deny visitor calls if you’re not home, and uses motion detection to alert you of activity on your doorstep even when the bell hasn’t been rung. By working off your home’s Wifi and mobile data, the 1080HD  camera will alert your smart phone of any activity at your door step day or night. For an extra $3.00 a month, you can pay for cloud storage and have all moments video recorded for later purposes if desired. The newest model also has a 2 way intercom system, and infrared night vision. For that extra bit of security at a relatively inexpensive cost of $199.00, this doorbell is the must have for any smart home.

    The Conclusion

    With so many smart gadgets available, some better than others, these products can make our homes better, safer, and more convenient. 2018 is going to be a big tech year and the “smart home” business is growing evermore advanced daily. If you can pick-up just one of these items this year, you’ll be headed in the right direction. I’m still anxiously awaiting the release for Rosie the robot maid, but I may have to hold my breath for awhile.