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Best Loans In Kansas, Payday, Auto Title Laws 2019

EPF October 20, 2019
Credit

Best Loans In Indiana, Payday, Auto Title Laws 2019

EPF October 6, 2019

 View All Studies [toc] According to Indiana’s Uniform Consumer Credit Code, supervised lenders can levy the following finance charges for installment loans: 36% per year on the first $2,000 21% per year on amounts > $2,000 but ≤ $4000 15% per year on amounts > $4,000 25% on the entire

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Credit

The FAFSA Mistakes that can Impact Negatively on your Financial Aid

EPF October 2, 2019

It's less than 48 hours until the official application of college financial aid. October 1st is the first day for college students to start applying for grants and other financial aid for the academic year 2020-21 through the Free Application for Federal Student Aid(FAFSA). In the 2017-2018 academic year, for

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Credit

Cheap Car Insurance India 2019

EPF September 29, 2019

Are you looking for cheap car insurance in India? If so read on ... because we have found something very interesting. In fact shocking!!! People from India overpay on car insurance many times. After receiving many questions from people from India asking us where to find the cheapest car insurance

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Credit

Best Mortgage Rates for Home Loan Hong Kong 2019

EPF September 29, 2019

Are you looking to buy a house in Hong Kong? Or you want to refinance your home loan? Or you are looking for the best mortgage rates in Hong Kong. Read on. ElitePersonalFinance did a significant research on all loan in Hong Honk. We did this because of the huge

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Credit

Cost Of Family Health Insurance Coverage Reaches All-Time High

EPF September 28, 2019

Through its annual Employer Health Benefits Survey, researchers at the Kaiser Family Foundation (KFF) found that the average cost of family health insurance coverage reached a record $20,576 – up 5% year-over-year. The 2019 survey included responses from 2,012 private and public firms, with 56% of small firms and 99%

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Credit

Credit Report

How To Avoid Ruining Your Credit During A Natural Disaster

EPF September 13, 2019

When a natural disaster strikes – like what we just witnessed with Hurricane Dorian – you’re often burdened with several unplanned expenses. And depending on the extent of the storm, the financial and emotional stress can cause you to forget about your loan and credit card payments. How Can A Natural Disaster Hurt Your Credit …

Credit Report

How To Increase Your FICO Score

EPF August 2, 2019

If you have bad credit, you know how difficult it is to navigate. Whether you’re purchasing your first home or borrowing for your next car, bad credit can severely limit your options. To make matters worse, your cost of borrowing increases significantly. For someone taking out a $200,000, 30-year mortgage – paying 6% interest vs. …

Credit Report

How To Maintain Your Credit During A Divorce

EPF July 4, 2019

When you go through a divorce, it’s tough on everyone. And the last thing on your mind is how it will affect your credit. But, the decisions you make – before and after a divorce – will play a crucial role in determining your financial future. Remember, there is light at the end of the …

Credit Report

Best Unsecured Personal Loans for Bad Credit 2019

EPF April 9, 2019

When burdened with bad credit, it can feel like viable lending options are few and far between. Payday loans? Car title loans? Secured personal loans? Pretty much your only options, right? Well, we’re here to tell you there are alternatives. Many reputable lenders offer unsecured personal loans to those with bad credit, ranging between APR …

Credit Cards

Credit Report Changes in 2019

EPF April 6, 2019

With 2019 already in full-swing, changes to credit reporting are starting to take effect.   Experian and the Fair Isaac Corporation (FICO) – two of the most trusted credit score providers – recently added new metrics to help analyze the overall creditworthiness of borrowers. From utility and cable bills to checking and money market accounts, …

Credit Report

Best Ways in Which You Can Find Your Credit Score Recovery

EPF April 4, 2019

You need to continually check your credit reports from the three agencies – Experian, TransUnion, and Equifax – so that you are aware of the reason for the drop in your credit score. You can access information from these three agencies at AnnualCreditReport.com. Each of these three agencies avails one free access to your reports …

Credit Report

Best Car Title Loan Alternatives for Bad Credit 2019

EPF April 3, 2019

We’ve all been there before. Whether it’s an unexpected crisis, or finding the means to pay next week’s rent – when you have bad credit – it can feel like a car title loan is your only option. At ElitePersonalFinance, we highly recommend you avoid them. Now, before we explain why, what exactly is a …

Answers

Why Can’t You Buy a House Despite an Extremely Good Credit Score?

EPF January 25, 2019

I have an excellent credit score yet I don’t qualify for a mortgage loan? This is crazy, you probably say that to yourself. Well, nowadays, credit scores are in use increasingly in different avenues. Like most states, auto insurance companies rely heavily on credit scores to determine premiums. Other companies like Credit Karma offer free …

Credit Report

Ways Your High Credit Score Affects Your Finances

EPF January 3, 2019

Among the several things that affect your financial health, credit score has a great significance. This is because; lenders use it to determine your economic welfare ranging from whether you qualify for loans, interest rates, to credit cards rewards. However, managing a credit score rating of above 700 implies that you have worked extra-harder in …

Credit Report

Main Factors That Lenders Use to Determine Your Loan

EPF December 23, 2018

When applying for a loan, lenders have to determine the ability and the solvency of their clients. The question might be hard since every individual determines the worthiness differently. Lenders may reject the client’s offer, while others might accept but placing some rules of adding different interest rates and credit limits on their loan. Have …

Credit Report

Ways to Boost Your Credit Score Over the Holiday Season

EPF December 22, 2018

Do you know the importance of your credit score? Would you like to see how the holiday season adds value to your credit score? Do not worry, since this content will provide a step by step guide on how festive seasons can boost your credit score. Remember, credit score do not in any way affect …

Credit Cards

Average Credit Score in America 2019

EPF December 6, 2018

View All Studies   Let’s start with the big news. The average FICO Score currently hits a 704, which is strongly considered a good credit scope. According to the official issuer – the Fair Isaac Corporation (FICO) – the average FICO Score in America continued an eight-year ascension before reaching an all-time high in September, …

Credit Cards

Credit Cards

3 Credit Card Mistakes To Avoid

EPF August 23, 2019

With American credit card debt continuing to rise – surpassing the highs we saw during the 2008 financial crisis – more citizens are relying on debt to finance their lifestyle. Moreover, data from the Consumer Financial Protection Bureau (CFPB) implies that 71% of credit card accounts rollover each month and incur interest charges. And as …

Credit Cards

How To Get By Without A Credit Card

EPF July 23, 2019

Studies show that nearly 80% of adults own at least one credit card. And considering access to credit is one of the most controversial issues facing borrowers, the Federal Reserve’s Survey of Household Economics and Decision Making (SHED) helped illustrate that point. The study found that borrowers with incomes of less than $40,000 were less …

Credit Card Reviews

Best Cash Advance Alternatives for Bad Credit 2019

EPF May 30, 2019

Are you considering a cash advance on your credit card? It’s not the best option … Cash advances have high APRs and come with high upfront fees. To administer a cash advance, your credit card issuer will charge you an upfront fee that ranges from $5 to $10 or 3% to 5% of the amount …

Credit Cards

Is My Credit Card Issuer Charging Hidden Foreign Transaction Fees?

EPF May 18, 2019

Whether you’re surfing the beach of your favorite tropical locale or you’re surfing the web from the comfort of your own home, credit card issuers – like Bank of America, Chase Bank or Citi Bank – can charge you foreign transaction fees even for items purchased domestically. See, whenever you buy an item that requires …

Credit Cards

Average Number of Credit Cards Per Person 2019

EPF April 30, 2019

View All Studies As credit card debt across the United States continues to rise and currently sits at 799 billion – in 2018 – the average number of credit cards per person and the average credit card balance actually declined. In 2017, Americans held an average of 3.1 credit cards per person with an average …

Credit Cards

Should I Consolidate My Credit Card Debt With A Personal Loan?

EPF April 25, 2019

With U.S. credit card debt currently sitting at 799 billion, the figure has surpassed the highs we saw during the 2008 financial crisis. And with borrowers increased appetite for credit card debt, commercial banks and savings institutions earned an estimated 108 billion in credit card interest in 2018. To avoid adding to the pile, consider …

Credit Cards

Credit Report Changes in 2019

EPF April 6, 2019

With 2019 already in full-swing, changes to credit reporting are starting to take effect.   Experian and the Fair Isaac Corporation (FICO) – two of the most trusted credit score providers – recently added new metrics to help analyze the overall creditworthiness of borrowers. From utility and cable bills to checking and money market accounts, …

Business Loans

5 Ways in Which You Can Use Credit Cards to Make Incredible Rewards While Running A Business

EPF February 8, 2019

There are many ways to get great cash-rewards cards in your business. However, it can be hard to get the most out of your business credit card rewards. If only you manage those rewards carefully, you put yourself in a position to reinforce your business. Make it a habit of transacting with credit cards and …

Credit Cards

Ways In Which America’s Overspending Custom is Affecting the Credit Card Debt

EPF February 1, 2019

These two, overspending and credit card debts are hard to separate, from the findings in our January 2019 survey, up to 70% of people who took interviewed overspent by not less than $100 each month. Slightly more than 50% also admitted inability to cover in full their credit card bills every month. Despite all these, …

Credit Cards

Average Credit Card Interest Rates (APR) 2019

EPF January 30, 2019

View All Studies   As the Federal Reserve became less and less accommodative over the last few years, average credit card interest rates continued to move higher. And considering most credit card options use a variable interest rate structure, it’s easy to see the direct correlation. Citing the latest data from the US Federal Reserve …

College Students

Average Student Loan Debt in America 2019

EPF December 7, 2018

View All Studies   As the cost of post-secondary education continues to rise, student loan debt across the United States continues to rise with it. Currently sitting at over 1.4 trillion, student indebtedness and access to affordable education is at the center of American economic and political discourse.   Period: Total Outstanding Student Loan Debt …

Credit Cards

Average Credit Score in America 2019

EPF December 6, 2018

View All Studies   Let’s start with the big news. The average FICO Score currently hits a 704, which is strongly considered a good credit scope. According to the official issuer – the Fair Isaac Corporation (FICO) – the average FICO Score in America continued an eight-year ascension before reaching an all-time high in September, …

Loan

Loans

Best Personal Loans India 2019

EPF October 13, 2019

ElitePersonalFinance carefully have reviewed the loan market of personal loans in India. What we can say is that there are a lot of scam there. There are so many companies scamming people with high interest. The best places to get a personal loan in India is from big banks, because their interest rates are low. …

Loans

Best Mortgage Rates for Home Loan Hong Kong 2019

EPF September 29, 2019

Are you looking to buy a house in Hong Kong? Or you want to refinance your home loan? Or you are looking for the best mortgage rates in Hong Kong. Read on. ElitePersonalFinance did a significant research on all loan in Hong Honk. We did this because of the huge interested from people from Hong …

Auto

Best Auto Loans 2019

EPF September 24, 2019

The good news is that people with good credit can get super cheap auto loan rates. If you are with bad credit still there are options for you, but they are limited. ElitePersonalFinance conducted a study and found the best auto loan companies. Loan Company Min Credit Score APR Amount My Consumers Crediut Union APPLY …

Loans

How To Find Legitimate High Risk Lenders And Avoid Predatory Loans

EPF September 23, 2019

There are legitimate lenders offer high risk loans, but there are also predatory lenders that use similar products to trap you in a cycle of debt. Their loans are often 10-50 times more expensive and lead to plenty of financial hardship. By reading this guide, you’ll learn how to spot legitimate loans and avoid predatory …

Banking

What Banks Offer Bad Credit Loans?

EPF August 11, 2019

Can I get a bank bad credit loans? Unfortunately, the answer is no. But don’t worry, there are plenty of other options. Online lenders offer personal loans to people with bad credit. And in today’s market, you can obtain a bad credit personal loan of up to $100,000 with an APR anywhere from 5.99% to …

College Students

Should I Increase My Student Loan Payment?

EPF July 26, 2019

Paying off debt as quickly as possible is usually a sound strategy. In fact, it’s hard to find many situations where we would argue the contrary. But, increasing your student loan payments isn’t always optimal. When you allocate too much of your income towards your student loan debt, other areas of your financial life begin …

Loan Reviews

Best Installment Payday Loan Alternatives for Bad Credit 2019

EPF July 5, 2019

If you’re considering an installment payday loan, don’t waste your time! They’re extremely expensive and come with average APRs of 400%. Moreover, if you fall behind on your payments, you run the risk of falling into a vicious debt cycle.Remember, in 2019, the lending market has evolved and offers plenty of better alternatives. If you …

Loan Reviews

Loan Companies Like BadCreditLoans, CashUSA, Avant, SignatureLoans, PersonalLoans

EPF June 29, 2019

Have you heard of BadCreditLoans, CashUSA, Avant, SignatureLoans or PersonalLoans? If you have bad credit and you’ve been searching for a loan – the answer is probably yes! What these companies have in common is they offer personal loans to borrowers with extremely bad credit. And if you’re considering a payday loan, don’t do it! …

Loan Reviews

Loan Companies Like Avant, LendingTree, One Main, Upstart, Upgrade, Payoff, PersonalLonas

EPF June 28, 2019

If you have bad credit, and you are looking to get a personal loan some of these companies like: Avant, LendingTree, One Main, Upstart, Upgrade, Payoff, PersonalLonas are for you. Loan Company Min Credit Score APR Amount LendingTree 500 3.99% – 35.99% $1,000 – $35,000 Credible 500 5.34% – 35.99% $1,000 – $100,000 PersonalLoans 580 …

Loans

How To Look More Creditworthy To Lenders

EPF June 14, 2019

In life, perception is reality. It isn’t always fair. And it isn’t always right. Remember when you were a teenager? The way you dressed, the way you styled your hair, the music you listened to: all of these characteristics were used by people to make judgments about your personality. And well it might come as …

Loans

What are The Most Common Loan Fees

EPF June 12, 2019

When you apply for a loan, what’s the first thing that comes to mind? Who’s the best lender? How much can I borrow? Where can I get the lowest APR? These are all important questions. And while it’s always an effective strategy to keep your interest costs at a minimum, loan fees can turn a …

College Students

Will Consolidating My Student Loan Debt Increase My Credit Score?

EPF June 8, 2019

With total U.S. student loan debt surpassing the 1.4 trillion mark, borrowers have become even more reliant on debt to finance their education. And with plans available from both public and private lenders, loans usually end up spread across multiple institutions. To combat this issue, student loan consolidation allows you turn multiple small loans into …

College Student

College Students

Should I Increase My Student Loan Payment?

EPF July 26, 2019

Paying off debt as quickly as possible is usually a sound strategy. In fact, it’s hard to find many situations where we would argue the contrary. But, increasing your student loan payments isn’t always optimal. When you allocate too much of your income towards your student loan debt, other areas of your financial life begin …

College Students

Will Consolidating My Student Loan Debt Increase My Credit Score?

EPF June 8, 2019

With total U.S. student loan debt surpassing the 1.4 trillion mark, borrowers have become even more reliant on debt to finance their education. And with plans available from both public and private lenders, loans usually end up spread across multiple institutions. To combat this issue, student loan consolidation allows you turn multiple small loans into …

College Students

Should I Refinance My Student Loan So I Can Pay A lower Interest Rate?

EPF May 25, 2019

Readers often ask us: how do I lower my student loan interest rate? Well, the answer isn’t as simple as it seems. See, if you decide refinance your public student loan, you replace it with a private student loan. And while you’ll likely benefit from a lower interest rate, changing your loan provider from a …

College Students

Should I Use An Income-Driven Plan To Repay My Student Loan?

EPF May 14, 2019

Structuring your federal student loan repayments as a percentage of your income is a great way to stay on top of your debt and ensure outflows stay within your budget. To choose a repayment plan that’s right for you, check out the four options below: Revised Pay As You Earn (REPAYE) structures your payment as …

College Students

Federal Student Loan Interest Rates Set To Decrease For The First Time in Three Years

EPF May 12, 2019

As the yield on the 10-year U.S. Treasury continues its path downward, Federal student loan interest rates are following right along. To calculate its Federal Student loan interest rates, the U.S. Department of Education takes the 10-year yield as its baseline. Then, the department adds an additional interest rate to compensate for its expenses. And …

College Students

Changes that are Likely to Occur to Federal Student Loan Legislation in 2019

EPF April 18, 2019

Both the current administration and Congress are weighing options on outcome of changes on the student loans. Private companies will have more control over the new changes. The changes will also affect how the repayment of loans and pardons will work for the lenders. What are the current regulations for student loans? Federal laws govern …

College Students

Ways of Paying Your Student Loans Faster In 2019

EPF March 19, 2019

Graduating from college is often a thrilling moment in the life of a graduate. A new start in the next level is a fantastic feeling- getting a new job and starting a life of their own. After getting into the real world, however, there is often that time of uncertainty as it involves paying off …

College Students

Expected Bold Student Loan Reforms In 2019

EPF March 16, 2019

With the American presidential elections almost here and more than before, there’s one topic that will top headlines-student loan debt. The debt currently stands at more than $1.5 trillion, and without doubt, it will be among top issues of discussion by the contestants on the campaign trail. Studies show that over 40 million Americans owe …

College Students

Default On Student Loans

EPF March 1, 2019

Student loans are beneficent in advancing educational investment. But unemployment, debts, the high cost of living and health, life may seem to be harsh and devastating. Because of the highly conflicting priorities, student loans are the first to be forgone for another critical bill. Defaulting a couple of payments is a breach of a loan …

College Students

You’re Cut Out for Paying Off Student Loan?

EPF February 21, 2019

Paying off student loan debt is like a foray beyond the north wall; venturing into the territory of the wildlings where an evil eye gazes at you, where the danger can strike from all four corners. Err…. for those who are not the staunch proponents of GOT and couldn’t get the analogy, here is the …

College Students

Pros and Cons of Private Student Loans

EPF February 6, 2019

Education is crucial to all and occasionally used by society to determine people’s livelihood. That’s why you find the majority running for student loans to facilitate their learning. Applying for students loan to help your education process is encouraged; usually, this comes at an expense that you must face and solve in the next stage …

Answers

Top 9 Tips to Buying a Home Despite Having a Student Loan Debt

EPF January 26, 2019

Every American want’s to buy a house. However, it may be a hurdle for those with outstanding student loan debt. However 83% of those having student loan debt count it among the factors making it hard for them to acquire a house. Whether fresh from college or not, you must not be carried into thinking …

Identity theft

Identity Theft

IRS Tax Fraud and ID Theft

EPF February 19, 2019

  How does Tax Identity Theft Fraud Occur? In modern society, crime is part and parcel of daily trends. Many individuals and companies have lost a fortune, in cybersecurity crimes. Tax identity theft is a rampant activity today. It’s almost unnoticeable, yet the victims suffer a significant burden. Here’s how it happens; a criminal uses …

Identity Theft

Identity Theft and Scam Trends in 2019

EPF February 15, 2019

In the years 2017 and 2018, the U.S. citizens experienced plenty of serious data breaches which traumatized a large chunk of the population. According to the Identity Theft Resource Center, 1,632 cases of data breaches were reported in the United States in 2017 and 1,244 cases in 2018. As much as the number recorded in …

Fraud

The Ultimate Guide of Online Dating Safety – Tips on How to Protect Yourself?

EPF November 28, 2018

With people turning to the Internet to find everything they need, it’s no surprise that 8% of adult Americans meet their match through online dating websites. If that’s the case, currently millions of Americans have already found the love of their life by meeting through a screen. Why Do People Date Online? Online dating is …

Credit Card Reviews

How the New Medicare Cards will Help Prevent Identity Theft ?

EPF July 10, 2018

Medicare is making some changes in 2018 that will help protect your identity and keep providing you will proper health benefits. The biggest change will be the new Medicare ID cards. Seniors new to Medicare are usually shocked to see that their Medicare Identification number is the same as their social security number. Especially when …

Credit Freeze vs Fraud Alert vs Monitoring
Credit Report

Credit Freeze Is About to Become Free

EPF June 8, 2018

Identity theft and cybercrime are putting more and more people in danger, especially residents of the US. For this reason, most people opt for a free credit monitoring service hoping that it will be enough to protect them from hackers and fraudsters. But the real truth is that this method is not too effective. On …

College Students

Advanced Tips to Keep Your Credit Card Information Secure

EPF May 12, 2018

Technology is booming, now more than ever. Consequently, fraud and data breach are booming too. With improved technology, hackers are getting smarter and credit card information is becoming more vulnerable. In 2017 alone, the Identity Resource Center reported a total of 1,579 data breaches, which compromised more than 174 million records. This is 45 percent …

Credit Cards

New Technologies That Improve Credit Card Security

EPF May 7, 2018

We can all see and feel that technology is improving at the speed of light. Sometimes it develops so fast that we simply can’t keep up with it. New technologies are emerging each day, but hackers are becoming smarter too, so there is a need for even more advanced solutions which will keep us safe …

Fraud

What You Should Know About Tax Identity Theft in 2019

EPF January 26, 2018

Tax identity theft is one of the most devastating as well as evasive forms of identity theft. It can go unnoticed until the IRS notifies victims that there is something wrong with their tax return. What is Tax Identity Theft Tax identity theft occurs when a person illegally files a tax return under another person’s …

Credit Cards

14 Experts Answer – “What Can People Do After the Equifax Breach and How to Prevent Identity Theft?”

EPF September 27, 2017

    WalletHub, Jill Gonzalez The first step to take after the Equifax breach is to sign up for a 24/7 credit monitoring so you can find out right away if someone has opened an account in your name. This should be a free service. Unfortunately, moments like this are when ‘scammy’ monitoring services are advertised, so …

Credit Cards

What to Do After Equifax Breach – The Ultimate Guide

EPF September 14, 2017

  Even if you are not one of the Equifax customers, you must have heard of the big data breach that has recently happened. If you want to find out more about the breach and how to remedy your finances, then this the right place for you. What actually happened More than 143 million Americans’ …

Fraud

Safest And Least Safe US Cities By Fraud and Scams 2019

EPF July 20, 2017

Residents in some cities are more vulnerable to identity theft, according to a review of federal data by Elite Personal Finance. There were almost 2.7 million complaints in the U.S., according to the data from the Federal Trade Commission 2017 Report. US consumers paid $905 million in fraud losses in 2017, while the average sum …

Fraud

The Safest And Least Safe US Cities By Identity Theft 2019

EPF July 17, 2017

Residents in some cities are more vulnerable to identity theft, according to a review of federal data by Elite Personal Finance. There were 371,061 identity theft complaints in the U.S., according to the data from the Federal Trade Commission 2017 Report. For this reason, Elite Personal Finance analyzed the identity theft risk by cities. METHODOLOGY …

Money Making Guides

Make Money

Best Free and Easy Ways to Make Money Online 2019

EPF June 21, 2019

Your rent is past-due. Your other bills are piling up. Understand, it happens to all of us. And you’re not alone! For many in this situation, the first impulse is to apply for a loan. Those who are extremely desperate may even take out a payday loan. Don’t go down that path! Payday loans are …

Banking

Average Bank Interest Rates 2019

EPF March 23, 2019

View All Studies   Citing the latest data from the Federal Deposit Insurance Corporation (FDIC) – for the week of March 18, 2019 – national average bank interest rates have shown a slight uptick since February. While average interest rates for checking accounts have remained constant, savings accounts and money market instruments both displayed a …

Banking

Average Checking Account Interest Rates 2019

EPF March 22, 2019

View All Studies   Citing the latest data from the Federal Deposit Insurance Corporation (FDIC) – for the week of March 18, 2019 – national average checking account interest rates currently sit at 0.06%.   Deposit Product: National Average Interest Rate: Checking Account 0.06%   Applicable to non-jumbo deposits – less than $100,000 – average …

Make Money

You Can Invest Your Tax Refund Instead of Spending It, Here’s How

EPF March 7, 2019

It’s a time of the year where Millions of Americans have started getting their tax refund checks. Just like it will have similar effects on you, these refunds are proving too hot to stay in everyone’s pockets. Bookings for vacations are doubling in numbers; some people are buying their “dream” TV screens, tattoo artists are …

Banking

Average Savings Account Interest Rates 2019

EPF February 21, 2019

View All Studies     Looking for the best place to invest your money? With so many products and options available, savers are often left spinning trying to figure out which one is right for them. But don’t worry, at Elite Personal Finance – we have your back. Average Savings Account Interest Rates 2019: Statistics …

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College Students

Tips to Make More Money with Freelancing

EPF April 5, 2017

Make some extra money with freelancing Almost everybody wants to supplement their income and make some extra cash. Freelancing on the internet seems like a good way to do it, but it is not as simple as it sounds. There is a lot of research and work to do before you can brand yourself as …

Fraud

List of The Best Bitcoin and Altcoin Platform Exchanges in 2019

EPF March 11, 2017

The Bitcoin world has evolved wonderfully since Silk Road and the MtGox fiasco. Things are now taken seriously, there’s around $10 billion invested into Bitcoin and over a billion of this is put into altcoins like Ethereum, Litecoin, and over 100’s more! The altcoin market itself has grown excessively — going from being worth $60 …

My BJs Perks Plus MasterCard
Make Money

How Discounts and Special Offers Can Work For Your Business?

EPF December 8, 2016

Have you ever been attracted to certain companies by offers and discounts? Every day in the market place we are besieged by special pricing offers which range from simple discounts, buy-one-get-one-free promotions to package deal purchases, loyalty schemes, and more. These promotional activities have been proved to work very well. If your business is going …

Money Order Fraud and Scams to Lookout For
Fraud

Here’s How to Use Money Orders Safely

EPF July 30, 2016

Money orders are by far not the most popular money tool today but they can be very useful in a variety of circumstances. Whether you need to send a long distance secure payment to reserve a Craigslist sale or provide a relative some emergency cash, money orders are still very useful in a world dominated …

Credit Cards

6 Simple Tips to Get More From Your Reward Credit Cards

EPF July 19, 2016

Reward cards are a great way to get more from your credit card, but they are a financial minefield, combining risk and reward, and not always in equal measures. The goal is to find a card that is more reward and less risk, and to make sure that you use it properly. So, read on …

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Make Money

Could Ethereum Make the ‘Decentralized Upwork’ Happen?

EPF July 16, 2016

Working online as a freelancer imposes many risks. Your identity could easily get stolen, your hours and pay aren’t guaranteed, and sometimes the simplest change could put you out of a job. But the online freelancer industry is a lucrative one, and it’s taking off like a rising tide. Upwork (a merge of oDesk and …

Make Money

The Beginner’s Guide to Profit from Bitcoin and Altcoins

EPF July 13, 2016

Bitcoin is now bigger than ever. We’re in 2016 and the Bitcoin price is $674.62 USD (as of writing this) and things are only looking up in the mid-to-long term. That is because the Bitcoin technology has been proven to be unbreakable, which has eliminated the naysayers. And now big investors and even everyday people …

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