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  • Best Kids Internet Monitoring Programs

    Best Kids Internet Monitoring Programs

    It can be hard to parent effectively in the age of information. The internet is a big, unregulated place full of things kids probably shouldn’t see. While the simplest solution is to simply keep young children away from the internet, that’s an unlikely solution. That’s where these internet monitoring programs come in!

    Best Internet Monitoring Programs

    Net Nanny Review

    This service is so well-known that its name is almost synonymous with internet monitoring programs in general. This service costs $40 a month, which makes it a bit on the pricier side. However, it works across multiple platforms and offers control directly from an app. If you have Android, that is! Sorry, iPhone users.

    Net Nanny allows you to choose from a variety of filters to stop access to tons of different types of content. Most monitoring services prevent access to nudity or violence, of course. Net Nanny lets you increase the granularity of what is filtered, however. This allows you to rest easy knowing your children’s particular fears or phobias are being filtered out.

    Symantec Norton Family Premier Review

    Norton, well-known for their antivirus software, also has a well-regarding internet monitoring service. This service is highly recommended, due to its high-quality web interface and strong filtering tools. You can monitor and filter access from all devices that are connected to a network. This allows you to keep your children safe no matter what device they’re using.

    The only downside to Norton’s service is that it isn’t available on Mac. If your household doesn’t own a Mac, however, you have nothing to worry about. Another notable shortcoming is a lack of strong social media controls, but you can always just ban social media sites outright to avoid the problem. What 8-year-old needs Facebook, anyway?

    Qustodio

    A well-made and easy-to-use tracker, Qustodio works across Macs, Windows and mobile devices. It allows for strong filtering and monitoring tools, as well. It has a somewhat outdated web interface, but that’s outweighed by the strength of its monitoring and filtering. If your house has a wide variety of devices, from iOS to Android to Macs and PCs, this is the best monitoring program for you.

    The only notable downside to Qustodio is its relatively high price. The service runs $50, which is a touch expensive. However, it’s well-worth the robust monitoring and peace of mind it offers.


  • Compare Top Auto Insurance Companies-Get Better Insurance Today

    Compare Top Auto Insurance Companies-Get Better Insurance Today

    Buying a new vehicle is everyone’s dream and an exciting experience. However, vehicles are expensive, and consumers need to protect their investment with car insurance. The insurance covers your car in case of an accident and protects the driver from certain liabilities. When searching for a reliable car insurance company, look at the coverage options, price of policies, financial strength, and customer service reviews before settling on a company. In this article, we have detailed information that will make the process easier.
    Most people are currently working from home and are not driving that much due to COVID-19. However, it is still essential to have car insurance when you drive. Car owners who are paying for a financed vehicle also need to have auto insurance.

    Before we came up with the list below of the best car insurance companies, we considered factors like claims satisfaction, customer compliant scores, customer satisfaction, and claims settlement. We also turned to industry experts and Consumer Reports to get accurate and quality car insurance reviews.

    Top Auto Insurance Companies:

    The insurance market is flooded with different car insurance companies. However, we have picked quality car insurance companies in the market. Not all car insurance companies offer the same policy package to everyone. Therefore, to determine the best insurance provider that can take care of your needs, it is vital to consider your age, credit rating, and budget.

    #1 General Auto Insurance

    General auto insurance is our top pick for high-risk drivers looking for quality car insurance. The company does not shy away from young drivers or those who have been involved in multiple accidents. For instance, most car insurance companies avoid providing coverage to drivers that need an SR-22. The General auto insurance covers drivers who require SR-22 by including the form in their policy. That gives the driver a chance to file the SR-22 form in a brief period.

    Also, the insurance company has a mobile application as well as an online portal for customers to manage their insurance policies easily. The online portal offers users basic functionalities such as viewing policy details, receiving ID cards, and making payments. Since the features are not unique, they offer high-risk drivers similar benefits to standard drivers through other quality car insurance companies such as State Farm.

    Pros

    • Offers car insurance cover to high-risk drivers
    • Can file the SR-22 form for drivers who need it

    Cons

    • Provides few policy options and discounts
    • Drivers who are not high-risk will have a better experience with other insurance providers.

    #2 Progressive insurance

    For drivers interested in the best coverage options, Progressive is the ideal option. The company offers customers an easy platform on their website to choose the available policy within their price range. All you have to do to get the online quote is to enter the amount you are willing to pay for the car insurance, and the company will provide you with a list of policy options available within your budget.

    The company has a Name Your Price online tool that makes shopping easier for high-risk drivers. The drivers can use Progressive’s usage-based Snapshot program to redeem their driving record. Snapshot monitors the drivers driving habits and rewards them with discounts when they obey the traffic rules.

    Pros:

    • Online rate comparison tool
    • Custom equipment coverage
    • Gap insurance available

    Cons:

    • Claims handling of below average
    • Expensive rates

    #3 Amica Mutual

    The company has a history of offering excellent coverage and customer service. The insurer offers various policies, including ATV insurance. Amica also offers its customers usual coverages such as uninsured and underinsured motorist, personal injury protection along with excellent addons, including glass cover and roadside assistance.

    Pros:

    • The best in customer satisfaction
    • The best in auto claims satisfaction
    • Free lock replacement for lost keys

    Cons:

    • No discounts
    • Few local offices

    #4 Allstate

    This car insurance company offers quality customer service to motorists in America. The company is ranked among the top car insurance providers in the U.S. However, the company’s policies are more expensive compared to other auto insurance providers. This is because of limited discount offerings. The company offers quality services for what customers pay for.

    Pros:

    • Easily available
    • Mobile app and online tools
    • Teen drivers get discounts

    Cons:

    • Limited discounts
    • Limited optional policies
    • Its satisfaction rating is below average

    #4 USAA insurance

    It is the best car insurance company for active military members, veterans, and qualified family members. The company provides quality car insurance coverage to military personnel at reduced rates for low mileage and a 60 percent discount for cars parked during deployment.

    USAA provides a detailed portfolio of financial products to qualified members. The products include checking and savings accounts, retirement accounts, and investment products. The car insurance company is ranked among the best insurance companies.

    Pros:

    • Quality customer service and high claims ratings
    • Available nationwide
    • Excellent mobile and online tools

    Cons:

    • Limited to military and veteran families
    • To receive a quote, one has to be a member
    • Violations of billing-related regulations

    #5 Farmers

    The company provides standard vehicle insurance, including liability, medical payments, collision, uninsured and underinsured motorist coverages, as well as comprehensive. The company also offers optional coverages, new car replacement, customized equipment, original equipment, and spare parts coverage.

    Pros:

    • Alternative fuel discounts
    • Easy claims process
    • Great mobile app

    Cons:

    • Low claims satisfaction rating
    • Low client satisfaction
    • No discounts

    How to Save on Car Insurance:

    1.Consider getting a bundled home-auto insurance policy

    As mentioned earlier, during this pandemic period, people are not driving much. Therefore, you can look for an insurer that provides a pay-per-mile or home-auto bundle program. The policies base rates depending on how much you drive and others, depending on how well you drive. The insurance company that offers these policies installs a device in your vehicle that transmits data back to the company. Several car insurance companies, including Allstate, Progressive, and Geico, are among the insurance companies that offer this policy in some states.

    2.Avoid having too many car insurance policies.

    It is high time you drop collision and comprehensive insurance if you have a clunker. Comprehensive insurance compensates a stolen vehicle, vandalized, damaged by storms, or one that hit an animal. Similarly, collision insurance caters for a vehicle that flips over or crashes into objects or another vehicle.

    If the amount you pay for annual coverage plus your deductible is more than your vehicle, drop the two insurance policies. Comprehensive and collision cannot compensate more than the vehicle’s value.

    After dropping the two insurance covers, use the money to finance car repairs or use it as a down payment for a better vehicle.

    3.Drive safely

    Car insurance premiums can go up due to accidents and traffic tickets. Once you are issued a ticket, you may be forced to get it dismissed or have the violation points reduced on your driving record. However, if you avoid a violation on your driving record, you can save a lot of money and time.

    4.Ask for discounts

    Car insurance companies provide unique techniques to reduce your coverage premium. Request your agent to review possible savings to ensure you get all discounts entitled to you. Several car insurance companies offer discounts to their customers. However, it is vital to compare quotes depending on your situation. Some insurance providers offer many discounts, but that does not mean their policies are cheap.

    5.Increase the deductible

    When you raise your deductible, you will save money on comprehensive and collision. A deductible is an amount the insurance provider does not cove when compensating for repairs. For instance, if the cost of repair is $3000, and your deductible is $1000, the insurance company will pay $1000. Remember that savings vary by company. Therefore, it is essential to compare quotes with other deductible levels before deciding.

    Factors that Insurance Agencies Consider when Quoting a Rate:

    Where you live is the start of base rates. That is why car insurance companies ask for your ZIP code. Accidents and insurance claims are more prevalent for persons who live in urban areas with a high population. Therefore, your rates can be higher than someone who resides in a rural area where accidents are less likely to occur.

    Drivers Age

    The rates of a young driver are high compared to an older driver. Researchers claim that young drivers are easily distracted and crash a lot. However, different insurance companies decrease the rates at different times. At 25 years, your rates can drop by up to 20 percent.

    Researchers from (IIHS) Insurance Institute for Highway Safety claim that drivers between the ages of 30 and 69 have fewer chances of getting involved in accidents. A young driver who maintains a clean record can enjoy relatively flat car insurance rates until considered as a senior driver.

    Gender

    Since the crash, statistics vary for females and males, some states allow insurance companies to rate gender. According to research, males, mostly young, aggressive drivers, are more likely to crash.

    The IIHS reports that men drive more than women and engage in risky driving behavior like not using seat belts, driving when intoxicated, and speeding. The organization also claims that crashes involving male drivers are severe compared to female drivers.

    However, that does not mean female drivers pay lower rates than male drivers. Fatality risk reduces with age, not gender. When both women and men get to their 30s, the general auto insurance rates become comparable with most insurance providers for both sexes. Some insurers may also allow males to pay lower rates than females, depending on their data, polices, and research.

    As drivers get to their 60s, males pay more than females. That is because researchers claim older men tend to crash more compared to females. However, some states do not allow gender to affect insurance rates, including:

    • Michigan

    • Pennsylvania

    • Massachusetts

    • North Carolina

    • Montana

    • Hawaii

    Type of vehicle

    The kind of vehicle you drive may also affect your rates. That is because the way one drives these vehicles may differ. If according to the car insurance company, your vehicle’s model tends to crash more than others, or the model has filed more claims, your rates can be higher.

    Also, other factors that the insurer may determine from the model of your vehicle include:

    • Cost of repair

    • Safety tests

    • Purchase price

    • Theft rate

    It is also essential to note that a vehicle that does well on the safety test does not get lower rates. Vehicles’ collision-warning safety features may also receive high rates if the cost of replacing the feature is high. However, a few insurers have started to offer discounts for vehicles with extra safety features.

    How Insurance Differs:

    ATV Insurance

    An all-terrain vehicle (ATV) can be dangerous to the rider and can lead to serious injuries when an accident occurs. Replacing an ATVs can be expensive if severely damaged. Therefore, purchasing an ATV insurance is a wise move.

    Most insurance companies offer ATV insurance cover under the motorcycle insurance policy. The same process used to gather an online quote for a motorcycle is the same used for ATVs. The difference is one enters the ATV information.

    Motorcycle 🏍 Insurance

    A motorcycle may cost less than a vehicle. However, motorcycle insurance is more expensive compared to car insurance. That is because the rider is at a higher risk of getting involved in an accident while riding.

    Car 🚗 Insurance

    Car insurance may vary between different insurers since they use various rating factors. The companies have different statistical information they consider and claims experience. Also, the company may consider how much it may need to pay your claims during the year.

    Boat ⛵️ Insurance

    Most insurance companies provide boat insurance, including basic cover for damage or loss, and several additional options. Some insurers can cover the boat owners for common insurance activities and risks. The policy can compensate the boat’s occupants if they get injured. It also provides coverage for damage, theft, or loss. The policy also protects the boat owner from incurring costs after accidental damage to other people’s property.

    Commercial 🚛 Vehicle Insurance

    The insurance policy covers accidents that occur when you and your staff are using a company vehicle. Both commercial and personal vehicles cater to medical and legal bills related to car accidents. However, commercial vehicle insurance covers different types of cars, complex legal issues, and higher claims. The policy insures all employees in the business. That means that any employee can drive the vehicle if they have a valid driver’s license.

    Commercial 🚚 Truck Insurance

    The insurance protects trucks in accidents, theft, vandalism, injury to the driver or third party, among other damages. Insurance experts designed commercial truck insurance to meet the driver’s needs, business, and other vehicles.

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  • Which Cordless Vacuum is the Best?

    Which Cordless Vacuum is the Best?

    Everyone hates vacuuming. I know I do! One thing that makes it a bit more bearable, though, is having a cordless vacuum. Not having to pick around chairs and tables to get to those out-of-the–way spots is a great feature, to be sure! The question is, which cordless vacuum is the best bang for your buck? You don’t want to buy a lemon and have to return it, so we’ve got a list of our favorites. If you’re looking to clean up with no cord, check out our roundup: it doesn’t suck, I promise!

    Shark Navigator Freestyle SV1106

    For an impressively low $130, you can pick up this excellent stick vacuum from Shark. It’s quite light and very easy to use and store! It’s also very powerful, great for big messes, and possesses two distinct brush speeds. This lets is work optimally on both carpet and hard floor! While it’s not quite as powerful as most upright vacuums, the low price and great versatility easily make up for it. If you have pets that shed a lot, this is a great choice, is it’s powerful enough to suck up pet hair. That all said, you can’t beat that price!

    Hoover Linx BH50010

    Hoover’s a respected name, and for good reason. This entry to our list retails for $200, which is a fine price, all said. While this vacuum has a shorter handle and no bag, it’s a very modern and useful appliance. It’s got edge-to-edge brush bristles and works great on carpet and floor. This one’s powerful and sports great performance even on rough messes. Not to mention, that shorter handle can recline all the way back to help you get those very out of the way spots. A great buy for the money, and well worth your consideration!

    Electrolux Ergorapido EL2055B 2 in 1

    For $279, this upright vacuum is a great deal. It’s super lightweight and very easy to maneuver around corners. It’s got great detachable tools for getting under sofas and close to walls, too! THat said, it’s not all sunshine and rainbows. For one thing, it only takes name-brand Electrolux filters. That’s an odd feature for a household appliance in 2018, to be sure. What’s weirder, it only works with name-brand accessories. What gives, Electrolux? More importantly, though, the vacuum isn’t as good on carpeted surfaces as we’d hoped. That said, this is still a fine pick if you’re looking for a great, light vacuum.

    Our Favorite Cordless Vacuum: Shark IONFlex 2x DuoClean IF251

    Easily the most expensive on the list, this entry from Shark retails for $450. However, it’s worth every penny of that steep price: it’s a supremely high-end piece of household technology. It sports two battery packs that last a very long time, and while you’re using one you can charge the other. The vacuum has a handheld mode that helps you hunt down those out of the way messes. And, of course, it’s just a great vacuum and picks up dirt like no one’s business. In a crowded field, this high-end cordless vacuum is the best of them.


  • The Best Deals: 70% Off Eyeglasses!

    The Best Deals: 70% Off Eyeglasses!

    When it comes time to buy glasses, it won’t surprise you to hear that your prescription is going to be expensive. That goes double if you’re buying from your eye doctor’s office, as they have a pretty sizable markup on spectacles. Where should you go to buy your glasses, then? Certainly there’s somewhere you can go to find a better deal on glasses than your doctor’s office, right? Let’s look at some places you can go to save a couple of bucks on your next pair of glasses.

    Best Deals on Glasses

    Getting Your Prescription

    Once your eye doctor gives you a checkup on your eyes, they’ll write you a prescription for glasses. When they do so, ask them for a copy of it. They’ll likely encourage you to buy your glasses from their office, though you’re under no obligation to do so. It’s unlikely your eye doctor will have any issue giving you a copy of your prescription, but if they do, don’t stress!

    Legally, any licensed eye doctor has to give you a copy of your prescription. If your doctor isn’t cooperating in giving you your prescription after you’ve paid for the appointment, you should remind them that it is their legal obligation to do so. If they continue to insist you buy your glasses from them before they hand over such a prescription, it’s time to contact your local medical authority and find a new eye doctor.

    Online or In Store?

    First, consider whether you’d like to buy your glasses online or from a store. Make sure you’ve got your prescription from your eye doctor and consider which option you like better. When you shop online, you get to avoid the long lines and traffic associated with shopping out and about. On the other hand, you’ve also got to wait for shipping, and you can’t try frames on to see how they look on you.

    Shopping in-store allows you to see the glasses on your face before you sign up for the frames. Likewise, you can leave with the glasses you buy in-hand and won’t have to wait for shipping, which is nice. On the flip side, it’s often a bit pricier to go through any in-person retailers, as you can often find tremendous deals on glasses online.

    Costco Wholesalers

    If you have a Costco card and you need a new pair of glasses, you’re in luck. Costco is noted as one of the least expensive places to pick up glasses in-store in the country. All you need to do is bring them your prescriptions! Unlike LensCrafters, who have an average glasses cost of $369, Costco offers an average cost of $184 for their glasses. That’s considerable savings when you look at the glasses: they’re identical.

    Keep in mind that Costco, while inexpensive, isn’t the best deal out there on glasses. There are even better discounts you can find on glasses if you go through certain online retailers.

    Online Discounts

    There are a number of online sites you can go through to save a ton on glasses. Examples include ZenniOptical.com, EyeBuyDirect.com and 39DollarGlasses.com. These websites allow you to get a pretty sizable discount on your glasses through their bare-bones distribution. For examples, Zenni Optical grinds their lenses in China, uses low-cost materials for frames and includes shipping in the costs.

    Often, these sites keep the costs low by offering no ongoing service on the eyeglasses they sell. Once you buy the glasses, they’re yours, and any damage they incur is up to you to fix. However, when you can just buy another pair for under $50, this is a reasonable trade-off for some people.


  • Best Online Stock Trading Platform

    Best Online Stock Trading Platform

    Stock trading can be a scary concept. After all, investing in markets is something difficult that only professionals can do, right? Well, not really. All you need to start trading today is some money to invest and a good online stock trading platform.

    E-Trade

    The poster child for online stock trading, E-Trade is a great place for beginners to start. If you’ve never done any trading before, we recommend E-Trade. You can get acquainted with the basics through their learning tools. They offer web seminars, reading material and more to get you comfortable with the idea of investing in stocks.

    They even have a team of market analysts who can help guide you in the best ways to invest your money. Their analyses are available through the site, and you can even contact a 24-hour helpline to give you market advice. Really, it’s a great all-in-one for beginners.

    Ally Invest

    Ally Invest is fantastic for those looking for a more budget-friendly way to trade. That’s because they have a low price for trading and a low commission structure for an online stock trading platform. They offer $5 trades, or $4 trades for people with more than 30 trades per quarter. That’s a pretty enticing deal for those looking to make a lot of trades!

    If you’re a relatively confident investor who just needs a good, stable and inexpensive platform, Ally Invest is for you. They’ve got a few nifty tools for users, and they offer the best bang for your buck.

    TD Ameritrade

    TD Ameritrade doesn’t have the low price of Ally Invest, but they offer some other interesting features. Trade Architect is TD Ameritrade’s beginner-friendly platform that will introduce new investors to all the concepts they need to know. The simplified platform is considered a rival to E-Trade’s easy-to-understand approach.

    TD Ameritrade also offers a platform called Thinkorswim, which is great for established and confident investors. Thinkorswim offers market analyses, charts, graphs and in-depth reports fit for the most discerning of investors. So, whether you’re a greenhorn or a grizzled vet, TD Ameritrade has an online trading platform that will work for you!


  • Largest Bike Sharing Service in the US!

    Largest Bike Sharing Service in the US!

    Lyft has recently acquired the largest bike sharing service (yeah, that’s a thing, apparently) in the US for $250 million. If that’s got you scratching your head, don’t worry, we are too. Jokes aside, the bike company, called Motivate, operates a number of bike rental services in urban centers that use bikes instead of cars. The offered bike rentals around the city are a combination of novel and useful. For one thing, they’re just neat: you go to a docking station and grab a bike! Additionally, the usefulness of not having to lug a bike downtown is a big draw to customers.

    Ride Sharing’s Interest in Bike Sharing

    Similarly, Uber recently purchased New York-based Jump Bikes. Lyft and Uber’s sudden interest in the bike sharing market may seem odd at a glance, but it makes sense. The primary income for both companies comes from densely-packed urban centers. Those same urban centers are a prime location for using a bike to get around. And, what better way to dig into Uber and Lyft than offering cheap bike rentals?

    In order to head off this potential thorn in their side, the companies did the thing they do best, and threw money at the problem. In this case, it worked out pretty well: they both possess significantly more bikes now than they did, and the competition is gone.

    That said, Lyft seems to have come out on top, as Motivate currently operates in dozens of cities in the US. This marks the first time the ride sharing company considered second-fiddle to Uber has come out on top in a bid for supremacy. This can only spell good things for customers: increased competition leads to better, cheaper services. If you find yourself in a large metropolis looking for a good way to get around, keep your eyes peeled for a Lyft sign over a bike station. You might just be able to drop some quarters and grab a two-wheeled ride!


  • Is a Reverse Mortgage for You?

    Is a Reverse Mortgage for You?

    What is a Reverse Mortgage?

    If you are over the age of 62 and have most of your net worth tied up in your home, but you don’t feel like moving yet and want to stay put in your home, then a reverse mortgage may be the right option for you. It is a loan that allows you to borrow on the equity of your home, without having to sell the property or take out a risky home equity line of credit. Once you no longer live in the property, it can be sold to pay the loan balance off to the bank.

    A reverse mortgage is a great option to help you get money now without having to leave your home. But it isn’t the right choice for everyone. Let’s take a look at how a reverse mortgage works and why you may want to consider this for your needs.

    To keep it simple, a reverse mortgage is a line of credit. When a homeowner is 62 years old and has a lot of equity in their home, they can choose to borrow against the value of the home, receiving those funds either in a line of credit, a fixed monthly payment, or a lump sum. Unlike a forward mortgage, which is what you used to purchase the home to start with, the homeowner will never need to make loan payments for the loan.

    Instead of the homeowner making the payments, the entire loan balance becomes due and is payable when the borrower sells their home, moves away permanently, or when they die. When the home is sold, the amount of the reverse mortgage is paid over to the bank or financial institution that originally gave the money.

    There are some federal regulations assigned to a reverse mortgage. For example, all lenders must structure the transaction so that the amount of the loan will not exceed the value of the home. Also, the borrower and their estate will never be responsible for paying the difference if the balance of the loan becomes more than the value of the home. This requires banks to be careful about which homes they will do reverse mortgages are. If the market value goes down too much, then they may not get their money back from the loan.

    Reverse mortgages are nice because they will provide some cashflow to seniors who find most of their worth is tied up in their homes. They are complex and a little costly though so you may decide it is not worth your time. However, for those who qualify and decide to use this type of mortgage, they can get instant access to the equity of their home without the risks of a home equity loan and while still living in the home. Once they sell the home or pass on, the sale of the home will go to paying back the loan.

    The Benefits of Getting a Reverse Mortgage

    There are a lot of great benefits to working with a reverse mortgage, as long as you use it properly. Not everyone will choose to work with the option because it doesn’t work the best for them. But for others, it is a way to get rid of a traditional mortgage payment or get access to the equity of your home while you still live in and own the home. Some of the other benefits of working with a reverse mortgage include:

    Provides Flexibility

    This type of mortgage is flexible, allowing you several methods to choose from based on your home, the product you choose, and more. Households who have a specific financial need can choose the right product to help provide relief in their finances. You can use this type of mortgage even without financial issues because it can become a good financial planning tool for you.

    Stay In Your Home

    You could sell your home and tap into the equity that is there. But then you have to leave your home and find somewhere new to live. If you work with a reverse mortgage, you will be able to live in the home for as long as you want, without having mortgage payments. You can use the money, in most situations, for any purpose you want. This provides you a comfortable home without moving and with lots of additional financial resources.

    Low Risk of Default

    Unlike what happens when you work on a home equity loan, this reverse mortgage will not take your home away from you for non-payment. You do not need to put payments on the loan at all until you are ready to permanently ready to leave the home. Keep in mind that you will still be responsible for the insurance, taxes, and upkeep on the home. Outside of that, the lenders of these mortgages will never have a claim on your income or other assets.

    Tax-Free

    Since this type of mortgage is a loan, the money you receive from it is often tax-free. This is true whether you decide to turn this into a fixed-income that you earn a little bit each month or if you choose to take it as a lump sum all at once.

    No Restrictions

    It is possible to use the funds that you receive from the reverse mortgage in any way that you would like. You can choose to use it for a rainy day in case something happens later, to pay for your children’s education, to pay for insurance, to go traveling, or even for day to day cost of living. There are no restrictions on how you can use this money.

    Flexible Payment Options

    You get to choose the type of loan that the reverse mortgage turns into. You can either get all of the loan money from it in a lump sum, credit line, or an annuity. No matter which one you pick, all of the money comes to you at once. You can also choose to work with an option that sends you the money each month or every other month, so you receive another source of income for as long as you remain in the home.

    How Do I Qualify for a Reverse Mortgage?

    Before you apply for a reverse mortgage, it is important to learn whether you qualify for this type of mortgage or not. Each bank may add additional qualifications based on what they like to see before approving the mortgage. The basic requirements for qualifying on this type of mortgage include:

    1. The youngest borrower on the title needs to be a minimum of 62 years old.
    2. The owners must use the home as their primary residence. If you use the property for rental income, you will not qualify.
    3. There must be enough equity in the home. The exact amount of equity will vary from one bank to another. The bank wants to make sure they will get their money back. And you will need to pay off your mortgage plus have some to live off later. The more equity that you have in the home, the better for you.
    4. All borrowers must meet financial criteria. These rules are established through the HUD.

    If you do not meet all of these requirements, do not apply for the loan. Most banks will not work with you and this will just be a waste of your time. Instead, spend some time getting things in order and prepared so you can apply for a reverse mortgage later on.

    What to Expect When Applying for a Reverse Mortgage?

    When you are ready to apply for a reverse mortgage, there are a few steps that you need to undertake. First, you need to choose which financial company you would like to work with. Each one will have their special requirements you need to follow so take some time to do your research and pick out the right one for you.

    Once you have narrowed down your choices, it is time to apply. You will need to feel out an application that will provide the bank with your name, contact information, information on your finances, information on the home you would like to do the reverse mortgage on, and your credit history.

    Fill out the application completely, putting your best foot forward so the bank is more likely to offer you the reverse mortgage. You will likely need to provide proof and documentation of all statements you make about the property and your financial history. If the financial institution asks you for additional materials, submitting them promptly will help the process go smoothly.

    Hopefully, you looked to see what qualifications you needed to meet before you start. This will help the process go well and can prevent any heartache later on because you don’t meet the minimum requirements. While there are other reasons the bank may choose to deny your application, if you do not meet their minimum requirements, they will deny it before you get any further in the process.

    Which Banks and Institutions Specialize in Reverse Mortgages?

    When you are ready to apply for a reverse mortgage, it is best to choose a bank or other financial institution with the right experience to get this done. They can walk you through the process and ensure that you receive the care and attention necessary. Some of the best banks and institutions to consider for your reverse mortgage includes:

    • FirstBank
    • Quontic Bank
    • M&T Bank
    • The Federal Savings Bank
    • Townebank
    • Goldwater Bank
    • Resolute Bank

    In the past, Wells Fargo and Bank of America were two of the big names in reverse mortgages. In 2011, both of these banks announced that they would no longer offer reverse mortgages to potential customers in the future. You can also check with your local bank to see whether they offer some reverse mortgage options to help you.

    Are There Any Downfalls to Reverse Mortgages?

    There are a lot of benefits to choosing a reverse mortgage. However, there are times when you may want to hold off and not get this kind of mortgage at all. Some of the downfalls that come with a reverse mortgage include:

    1. High upfront costs: Lenders can make money on a reverse mortgage in the same way they do with a conventional mortgage. They do this by charging a lot of fees upfront for interest, points, origination, and more. You need to weigh the costs of doing this before jumping right in and see if it makes sense for your financial situation.
    2. Mortgage Insurance: Even though there is no worry about defaulting with a reverse mortgage, many banks will require mortgage insurance to help mitigate some of the risks the lender takes on, such as the home losing value.
    3. Other fees: The borrower of a reverse mortgage will still be responsible for all of the repair and maintenance costs on the home, the upkeep, the homeowner’s insurance, and taxes. These costs will not go away when you get a reverse mortgage.
    4. Need to have a high amount of equity: To even qualify for this mortgage, there needs to be a substantial amount of equity in your home. While applying, a lender will offer a percentage of the value of the home, based on your age and the program. When you do this mortgage, it needs to pay off any existing mortgage that is on the property. If your home doesn’t have enough equity, you may not qualify.
    5. Products are complex: A reverse mortgage may sound simple, but it is not always a suitable option for every homeowner. You need to look through the paperwork carefully to help make informed decisions. Learn how payments are made, how costs are charged, and all the other rules you will need to follow.

    There are a lot of benefits to getting a reverse mortgage and many homeowners decide that it is the right choice for them. It is important to understand how these reverse mortgages work and do your research to see if they work well for your needs or not. They can be wonderful financial tools for many, but this doesn’t make them the right choice for everyone. Talk with a lender and explore your options so you are well informed if a reverse mortgage will work for you.


  • Review: Most Affordable Luxury Cars for 2021

    Review: Most Affordable Luxury Cars for 2021

    In the luxury car segment, there’s always room for compromises and improvements. With limitless options, specializations, and customizations, some of these vehicles can fetch staggering prices. For that, it’s critical that you always do your research before investing such huge sums of money into your next luxury car. Shopping for affordable luxury cars can be a daunting task, especially now that people can access almost every auto on the planet. As a result, our team compiled a list of 2021 new cars in the market that you can choose from. Whether you are after a classic sedan or SUV, we took the time to ensure that we captured what will interest you come 2021.

    This review should cover every aspect of each machine mentioned below. For such sums of money, it’s always important that you know exactly what you are getting.

    What Defines Luxury?

    Buying an upscale car is about the exception that proves you invest in a vehicle that actually gets you. While affordable luxury cars may be somewhat average in some areas like the fuel economy, they excel in almost every other aspect. These include:

    Curb Appeal – what’s the point of owning a luxury car if other people won’t take notice? Luxury cars know how to announce themselves in public. Large wheels, spoilers, curves abound within this category and shiny grilles. And these are just what you can see. Some of these machine’s manufacturers even sacrifice the trunks and rear seats just so they can have better aesthetics. But mostly, they just increase the vehicle’s size to accommodate everything.

    Indulgence – these cars aren’t just pretty on the outside; they also feel really great. Manufacturers use only high-end materials within these cruising lounges. There’s always no lack of modern amenities either.

    Cost – expressing yourself as a symbol of status isn’t cheap. It wouldn’t really do if everyone could afford these vehicles. True, many pay to rent these luxury vehicles for a few hours to a day. But purchasing them is another story. Fortunately, we compiled a list of some of the most affordable luxury cars for 2021 that you can actually afford.

    Let’s get to it:

    1. 2021 Mazda 6
    If you are looking for a midsize sedan with a premium marque, the 2021 Mazda6 is your best buy. Going by its looks alone, the Mazda6 boasts an elegant, high-quality interior and a gorgeous deep red metallic paint color. This beauty appeals even to people who generally don’t like red cars.

    It has a suggested retail price of $24,325 and a destination charge of $945. This makes its overall cost to be $25,270. Beneath the skin, the Mazda6’s suspension achieves the finest balance between comfort and agility. The seats are just ideal for long trips, making it the go-to car for people who love long-distance travel by car.

    It has a turbocharged engine that comes in higher trims, adding some zest to the driver’s experience. But that means spending more money.

    Pros
    • Premium interior
    • Optional turbocharged engine
    • Exceptional handling
    • Advanced driver aids are standard
    • Priced competitively

    Cons
    • Has a small trunk
    • No all-wheel drive

    Overall Assessment

    The Mazda6 is a serious contender for people who want only the best, premium vehicles for the 2021 travels. Its elegant, high-quality interior and sleek design make it one of the best options for drivers looking for that sleek appeal in a vehicle. And for the price, the Mazda6 should make for an awesome driving experience.

    2. 2021 Genesis Gv80
    This is the first-ever SUV from Genesis. It’s one of the best midsize luxury SUVs to consider buying in 2021. The GV80 was manufactured with a focus on its premium design, elegance, and quality. The manufacturers left nothing to chance when they built this beast. It has an upscale look and feel but still comes in at a slightly lower price compared to its competitors.

    The GV80 has one of the most extensive driver safety aids available on the market today that offers plenty of sumptuous luxury to the driver. It also comes with a two- or three-row seating. The GV80 demands consideration as it comes with a 3.5L V6 engine. It’s an All-Wheel Drive. With all these features, the GV80 starts at $60,175, which very affordable for a luxury car with such features.

    Pros
    • Available third row
    • Superb list of driver aids
    • Elegant interior and exterior design

    Cons
    • Option packages add up fast
    • No hybrid variant

    Overall Assessment
    The GV80 is a serious contender for those looking for a premium midsize SUV. It’s also an excellent choice for those seeking standard driver assistance and safety aids in their cars. And its finish is just superb. If this is what you are looking for, the GV80 is the SUV to meet your needs.

    3. 2021 Audi A6
    The A6 is another midsize luxury sedan that’s excellent for customers looking for technologically advanced vehicles. It should come with the latest safety assistance systems and a complete redesign from its 2020 model, adding segment-leading safety features and technology. The A6 also has a fully restyled exterior and interior and offers an excellent blend of sporty handling.

    This is the car to buy if you are looking for a quiet, composed ride.
    The Audi A6 is very spacious and can comfortably accommodate up to five adults. It comes with three trim levels. Its Premium Plus 2.0 design should start at $55,895. This comes with a 2.0L I4 turbo engine.

    Pros
    • Fancy available tech
    • Superb fit and finish
    • A spacious, well-appointed interior

    Cons
    • Upper trim levels are expensive
    • Some competitors offer more engaging drives.

    Overall Assessment
    The A6 is a luxurious, confident, and sporty sedan that offers a comfortable and dynamic driving experience. It’s the best option for drivers seeking to own cutting-edge tech in a sleek midsized sedan.

    4. 2021 BMW X5
    The MBX X5 ranks are one of the most luxurious SUVs on the market. It’s set to release in November 2020 and should be a blast to drive. It has engaging, confidence-inspiring dynamics that make it a serious contender on the list of must-buy 2021 luxury cars. The BMW X5 targets drivers looking for utility and sportiness combined. It’s a 5-seater vehicle with lots of room to get comfortable. It also comes in three trim levels and is believed to start at $59,895. The BMW X5 should have a 3.5L I6 turbo engine and is Rear Wheel Drive.

    Pros
    • Well-rounded
    • Lots of luxurious features available
    • Drives like a sports sedan

    Cons
    • Busy dashboard
    • Eight-cylinder engines are always thirsty
    • Costs more than most competitors

    Overall Assessment
    If you are looking for a top midsize SUV for 2021, the BMW X5 is a machine to consider. It’s just a blast to drive, thanks to its engaging and confidence-inspiring dynamics. It also comes with a luxurious interior that’s available in several colors and equipment combinations.

    5. 2021 Acura RDX
    This is a compact luxury crossover that’s aimed more at drivers who want both luxury and performance in one machine. The Acura RDX comes in one trim level and comes with an advance package that starts at $48,925, which is relatively affordable compared to its competitors. It has a 2.0L I4 turbo engine and is All Wheel Drive.

    Pros
    • Its starting price is fairly below many competitors
    • Apple CarPlay & Panoramic Moonroof standard
    • Powerful turbocharged engine

    Cons
    • Its leather seats are not standard
    • No available hybrid

    Overall Assessment
    The Acura RDX packs a lot of modern tech under the hood and is very comfortable to drive. It also fits reasonably well for a luxurious car and the price package. Its turbocharged engine and improved fuel mileage are a bonus too. This is one car manufacturer that is getting better with time.

    6. 2021 Lexus ES
    This is the go-to luxury vehicle for people looking for Ultra-Luxury ES grades. This vehicle model comes packed with a Standard Blind Spot Monitor and a Rear Cross Traffic Alert. You also have the luxury of choosing the ES that best fits your lifestyle and driving preferences. The enhanced 2021 ES should begin selling in early fall 2020 and should start at $40,925. It comes with a 3.5L V6 engine and is Front-Wheel Drive.

    This is the midsize luxury sedan to buy this fall if you are looking for a luxury car that’s reasonably affordable and of high-quality. Its plush and quiet driving experience also makes it a serious contender among other sedans. It is a five-seater vehicle and comes in 7 trim levels. So, you always have enough space to ride comfortably. This is the hybrid powertrain that provides you with excellent fuel economy.

    Pros
    • Standard advanced safety tech
    • Refined engine and transmission
    • Impressive sound deadening

    Cons
    • It has non-folding back seats.

    Overall Assessment
    The Lexus ES is the luxury vehicle to buy for drivers who want a smooth, reliable, and quiet driving experience. It’s an excellent fit for drivers who want cars with adaptive suspensions. Its extensive noise isolation features are a bonus, too, for a pleasant driving experience.

    7. 2021 BMW X6
    The 2021 X6 starts at $67,350. This midsize luxury sedan has proved to be one of the best sporty rides on the market today. Its sporty design, combined with other benefits, makes it a worthy contender and addition to our list. The 2021 X6 is also set to receive a full redesign from the 2020 model. The German automaker designed the X6 with driver safety aids and the most modern infotainment tech. It also has a sleek sloped roofline, which makes it even more desirable.

    The BMW X6 is also a five-seater and comes in 2 trim levels. It has a 3.0L I6 turbo engine and is All Wheel Drive. So, you can expect it to pack a lot of power while on the road.

    Pros
    • Standard driver safety tech
    • High-quality leather interior
    • Coupe styling in an SUV

    Cons
    • Rear seats lack headroom
    • Compromised rear visibility
    • Not as practical as its X5 model

    Overall Assessment
    The X6 is one of the best midsize luxury vehicles that you should get for your 2021 picks. It’s also a top choice for people who are looking for a more sporty but practical daily drive. It stands out in a crowd with one of the most distinct looks you will ever find in a car.

    8. 2021 Mercedes-Benz GLE
    Here’s another midsize luxury SUV that looks the part where there is talk about luxury vehicles. Under its hood is a 4.0L V8 turbocharged engine that pumps out a staggering 603 horsepower. This is the machine you want to buy if you are looking for a luxurious but practical vehicle that commands attention on the road.

    The Mercedes-Benz GLE also comes in three trim levels and is set to start at $57,745.

    Pros
    • Available three-row seating
    • High-performance trims
    • Spacious interior

    Cons
    • Optional equipment can be quite expensive
    • Gas mileage isn’t on par with most of its competing vehicles.

    Overall Assessment
    This is the luxury vehicle for anyone looking for a comfortable, solid luxury SUV. This Mercedes-Benz model remains one of the best and strongest options on the market for its smooth powertrains and superb driving dynamics. Driving the GLE feels like an exhilarating experience without compromising any of your everyday usability.

    9. 2021 Lexus GS
    For people looking to buy a luxury sedan that is affordable and meets all aspects of driving, the GS is a serious contender. Built by parent company Toyota, the Lexus GS uses one of the best time-testing V6 engines and quality interior materials. It also has a V8-powered option for vehicle enthusiasts who are looking for more excitement. The GS also adds in several driver assistance systems, which is a plus. The Lexus GS doesn’t compromise when it comes to creating a comfortable, practical premium sedan.
    The GS is a five-seater vehicle and comes in 4 trim levels. And for the interested parties, it starts at $53,785.

    Pros
    • Standard suite for driver safety
    • Smooth and powerful powertrain
    • Built using soft-high-quality interior materials

    Cons
    • Its touchpad isn’t as intuitive as a touchscreen
    • No hybrid version available
    • Its 350 trims are not as driver-focused as its rivals.

    Overall Assessment
    While the Lexus GS may not be as fast as its main rivals, it acquaints itself on the comfort and spaciousness front. Its plush interior and substantial trunk are its key selling points. This is the vehicle to buy if you are looking for that thrilling sports sedan experience. But all this doesn’t come cheap.

    The Bottom Line
    There you have it, our 2021 luxury car review with some of the most interesting options you should find on the market come 2021. Luxury cars have never been more affordable than they are today. And we should expect their prices to keep dropping while still maintaining their plush, exquisite designs.

    Compare Top Auto Insurance Companies-Get Better Insurance Today

    Posted: February 3, 2021

    Buying a new vehicle is everyone’s dream and an exciting experience. However, vehicles are expensive, and consumers need to protect their investment with car insurance. The insurance covers your car in case of an accident and protects the driver from certain liabilities. When searching for a reliable car insurance company, look at the coverage options, […]

    Credit Cards with the Best Incentives!

    Posted: January 26, 2021

    Credit card incentive programs or rewards give back to you for every dollar you spend doing shopping or paying for a service. They reward you in cash backs, hotel and airline points, free gas and more. To benefit from the incentives, you are supposed to spend responsibly and pay your balances in full every month. […]

    Is the Honda CR-V the Best Mid-Sized SUV?

    Posted: December 16, 2020

    If you’re in the market for a new car and wondering which SUV is right for you and your family, look no further! Today we’re breaking down some of the best SUVs on the market today and what makes each special. Important aspects, like price and average gas mileage, are high on our list of […]

    Fall Sale: New Truck Deals

    Posted: October 31, 2020

    Trucks deals are a bit harder to find this year, but there are deals to be found, especially over the Labor Day weekend. Here’s what our team found Best Full-Size Truck Deal: Ford F-150: Offer details include 0% financing for 72 months. The only exclusion is that F-150 Raptors are not included with this incentive. You […]

    Roadside Assistance- Why You Should Invest

    Posted: October 12, 2020

    As a single female, my parents always instilled in me the value of roadside assistance. Every year I would have a mishap. I wasn’t the type of person that liked to bother friends or family. I didn’t have a partner, so I just found ways to get my needs met. Some of this involved learning […]

    Car Insurance: Quote Consideration Factors

    Posted: September 14, 2020

    How do you know if you found the right car insurance company and are getting the best quote ? Before you make a decision on which company to buy car insurance with, you should be aware of the factors the insurance companies consider when they give you a quote: The Devil is in the details: […]


  • Learn How to Cash in on Amazing Rewards From These 4 Credit Cards

    Learn How to Cash in on Amazing Rewards From These 4 Credit Cards

    Saving money is incredibly important for any family. You want to be able to make the holidays memorable, but gift shopping gets expensive. That’s why it’s essential to explore all options to make the most of your money. One of the easiest ways to save money and get cash rewards is by getting a credit card. There are tons to choose from with all different types of rewards. That’s why we’re here to help.

    What Do You Want Most?

    Deciding what’s most important to you for your credit card is the first step to making the right choice. Do you want a credit card that will give you cashback on your most frequent purchases? Do you want a card that gives you frequent flyer points so that your next airplane ticket is discounted (or free?) Or do you enjoy staycations? Whatever you want to focus on there’s a credit card to match.

    You’re a world traveler

    Traveling new places is a great thing to be able to do. For some people it can be an expense they can’t quite afford though. That’s why it’s helpful to enlist your credit card company to foot the bill.

    The first place to start is with a broad credit card like the Capital One Venture Rewards Credit Card. The card offers double miles on all purchases and has a promotion where you can earn ten times the miles when staying at certain hotel brands. Importantly, there are no blackout dates with this card, and the points can be redeemed at any airline or hotel. There aren’t any expiration dates on your miles, and there’s no limit to how many you can earn. You can also transfer your miles across to other loyalty programs.

    Frequent Travel Pays Off

    The Chase Sapphire Preferred Card is a highly sought-after credit card for airline miles for a number of reasons. Firstly, the intro bonus is very generous. If you spend $4,000 through the card in the first three months of owning it, you get 60,000 bonus points. That translates to about $750 in travel rewards, which is a lot to earn just for using your credit card. You also get reimbursed for the $85 TSA precheck fee or $100 Global Entry fee. Add all this together and the card can easily pay for itself.

    Dining and Entertainment

    For those of you who don’t have the time to jet off to new locations, there’s a credit card to fit you too. The Capital One SavorOne card is the one for you. It will reward you with 3% cashback on dining and entertainment, 2% at grocery stores and 1% on all other purchases. There’s no annual fee and you can earn a $150 bonus if you spend $500 in purchases in the first 3 months. Another great benefit is that your cashback rewards don’t expire. That way you can use them when you need them.

    Just Give Me the Cash

    If you don’t want a card with a fancy rewards system, but you wouldn’t mind a little cashback in your wallet, you aren’t alone. The Discover it Cash Back Card would be an excellent choice. With this card, Discover will match all the cashback you’ve earned at the end of the first year automatically. They also offer different killer deals each quarter. They choose a popular category and offer you 5% cashback (up to $1500.) Once you’ve hit that cap, which isn’t difficult, they then offer you 1% on all your purchases in that category.


  • Is Your Card This Good? Best Credit Cards with No Annual Fees

    Is Your Card This Good? Best Credit Cards with No Annual Fees

    It can be hard to build your credit. Credit cards come in so many varieties. How can you figure out which one is the best for you? To help you decide we’ve rounded up a selection of some of the best credit cards with no annual fees. These are some of the best credit cards you’ll find for building credit!

    Best Credit Cards with No Annual Fees

    Discover it Cashback Match Card

    This no-fee cashback card is an interesting one. You get one percent cashback on all purchases, which is standard for cashback. However, each quarter a new category of five percent cashback is in effect. For example, some quarters will have restaurants as a five percent category while others will have gas stations in that slot.

    While the quarterly bonus rewards are nice, the best part is the introductory period. For the first 14 months the card has zero interest! After that it reverts to between 13.49 percent and 24.49 percent APR.

    Citi Simplicity Card

    This straightforward no-fee credit card is great if you just want a simple card for daily use. It offers an 18-month period of zero interest and has no annual fees. To get accepted for the card it’s recommended that you have credit between 690 and 850. Overall, this card is a fantastic deal. On the downside, there are no rewards associated and the rates are somewhat high after the introductory period.

    That said, this card is worth it for the introductory period alone. No annual fees and no interest for 18 months is a hard deal to beat!

    Citi Double Cash Card

    This Citi card has no annual fees and is one of the best cashback cards you can get. It’s recommended you have between 690 and 850 for your credit score to get approved for the card. This card charges zero interest for the first 18 months, which makes it very attractive for new cardholders.

    The card gives you one percent cashback on all purchases. While it doesn’t have rotating cashback categories, you do get the awesome 18 months of no interest. Additionally, there is no limit on the amount of rewards you can receive. After the introductory period, the card reverts to between 14.99 percent to 24.99 percent APR.