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Credit Report Changes in 2020 Could Hurt Your FICO Score

EPF July 8, 2020

FICO 10 T includes another round of changes to how FICO calculates your credit score. It focuses primarily on debt levels during the past two years. If your total debt during the past 24 months is on the upswing or if you carry a balance from month to month on

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Credit

The Best Way to Make a Lot of Money as a Freelancer and Always Love What You are Doing

EPF July 4, 2020

Work from the comfort of your home and make money. Make a lot of money free and easy. Become a freelancer, complete projects and get paid. Sounds great! Many people like this idea. In fact freelancing work is something that millions of people have tried. But have all of these

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Credit

When Payday Loans are Cheaper than Personal Loans?

EPF June 22, 2020

People who visit our site regularly, know that we are not big fans of payday loans. In fact we recommend them only at end case. This means that you should try all other options before getting a payday loan. Payday loan APR average at 400%. Personal loan APR is limited

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Credit

How to Motivate Yourself to Avoid Payday Loans

EPF June 18, 2020

You didn’t plan very well your spending and now suddenly you end up with empty pocket. And you go and get a payday loan, without thinking of the consequences. You are not alone. This happen to many people. At the moment that you get the money, you feel good. You

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Credit

5 Must-Have Financial Apps in 2020

EPF June 15, 2020

Nowadays, instead of managing our money with bank passbooks, we have access to incredible financial apps and technology that makes this process much easier. These personal finance apps are linked to bank accounts, providing us with clear insight into our balance and spendings. We can also see the areas where

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Credit

Credit Report

There is Only One Legit Way to Boost Your Credit Score Fast

EPF July 25, 2020

And here it is. Go to AnnualCreditReport.com, request your credit score from all credit bureaus, and review it for errors. So obvious, so easy and super effective! Why? According to many studies, about 30% of credit reports have errors on them. And you have no idea about that. You are not responsible for that. But …

Credit Report

Credit Report Changes in 2020 Could Hurt Your FICO Score

EPF July 8, 2020

FICO 10 T includes another round of changes to how FICO calculates your credit score. It focuses primarily on debt levels during the past two years. If your total debt during the past 24 months is on the upswing or if you carry a balance from month to month on credit cards, 10 T could …

Credit Report

How to Avoid Ruining Your Credit During 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 2020

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 …

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 2020

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

How 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 Cards

Credit Cards

How to Qualify for Any Credit Card, Even if You Don’t Meet The Qualification Requirements?

EPF March 10, 2020

According to our study, the average number of credit cards that Americans have increased from 2.5 to 4. And the trend show same – constant increase. People are load with so many promotions, bonuses, offers and they get card after card. But this has disadvantages! High credit risk Too many credit cards leads to high …

Credit Cards

How a Lost of Only $1 Can Lead to More than $1,000 in Loses, if You Don’t Manage Your Credit Cards Correctly?

EPF February 27, 2020

Having multiple credit cards has a lot of advantages, but also a lot of disadvantages. The advantages are: You have money on the side. You don’t pay any interest, in case you don’t use these money. And other… And many people continue to applying for more credit cards. Do you know that our study reveals …

Credit Cards

When You Shouldn’t Pay More Than a Minimum on Your Credit Card, Even if You Have Money?

EPF February 20, 2020

If you’ve spent some amount of your credit card the best advice would be one of these: Pay the debt as soon as possible, so you stop paying interest fees. If you can’t pay the full amount, then pay at least the minimum on time, so you avoid penalty fees and you prove that you …

Credit Cards

In Just One Year, Americans Have Increased The Average Number of Credit Cards by 60%

EPF January 16, 2020

Americans in the last year registered a 60% increase in the number of average credit cards making the figure jump from 2.5 in 2019 to 4 in 2020. These figures indicate the increase in the need to borrow by the citizens in 2020. The average balance on the credit card has also recorded a considerable …

Credit Cards

Reasons That Can Lead to Your Account Closure by The Credit Card Issuer and Why You Should Care

EPF December 3, 2019

Whenever you own several credit cards, it becomes normal for you to go for weeks or even months without using one of the cards. At first, this may seem harmless, thanks to the fact that you have other cards to use. However, it’s not always the case because you run the risk of account closure …

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 Buy 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 2020

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 2020

EPF April 30, 2019

View All Studies ElitePersonalFinance conducted a study on average numbers of credit cards per person. We found that people have on average 4 credit cards. Last year, this number was 2.5, which means an increase of 60%! Period: Average # of Credit Cards: Average Credit Card Balance: Average Credit Card Limit: 2019 4 $6,194 $22,751 …

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 830 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, credit …

Loan

Loans

Unique Ways to Qualify for Extremely Cheap Personal Loan Interest Rate, Even if You are With Bad Credit

EPF August 1, 2020

When you plan to use money that are not your, you will be paying interests. But no one want to pay high interest rates. In this article we will give you advanced information on how to find the cheapest personal loan interest rates. The truth is: Americans overpay millions of dollars on their loan interest …

Credit Report

There is Only One Legit Way to Boost Your Credit Score Fast

EPF July 25, 2020

And here it is. Go to AnnualCreditReport.com, request your credit score from all credit bureaus, and review it for errors. So obvious, so easy and super effective! Why? According to many studies, about 30% of credit reports have errors on them. And you have no idea about that. You are not responsible for that. But …

Loans

10 Hacks To Help You Get A Personal Loan, Even With Bad Credit in 2020

EPF July 16, 2020

When you need a loan, having bad credit can reduce your choices significantly. While it’s more difficult to get a loan when you have credit issues, it isn’t impossible. First Things First Before you start looking for a lender, check your credit. Your FICO scores may not be as low as you think. Here’s how …

Loans

One Way That Banks Use to Make More Money from Your Loan

EPF July 13, 2020

Lending is a profitable business. There are many ways that lenders use to make more money from your loan. Today we are going to discuss one unique way that not most of the people know. It’s not only about banks. All banks, credit unions, lenders use this trick. It’s refinancing. But not in a way …

Loans

Best Mortgage Loan Rates 2020

EPF July 8, 2020

People can save thousands on mortgage in 2020. Here are the average mortgage rates: Shop Around Our loan calculator will help you! Want this calculator on Your Site? Get it free from us copy the code below <div style=”overflow:hidden;”><iframe src=”https://www.elitepersonalfinance.com/calculators/loan-payment-calculator-source/” frameborder=”0″ style=”width:calc(100% + 15px);height:640px;”></iframe></div>

Loans

When Payday Loans are Cheaper than Personal Loans?

EPF June 22, 2020

People who visit our site regularly, know that we are not big fans of payday loans. In fact we recommend them only at end case. This means that you should try all other options before getting a payday loan. Payday loan APR average at 400%. Personal loan APR is limited to 35.99%, but in many …

Loans

How to Motivate Yourself to Avoid Payday Loans

EPF June 18, 2020

You didn’t plan very well your spending and now suddenly you end up with empty pocket. And you go and get a payday loan, without thinking of the consequences. You are not alone. This happen to many people. At the moment that you get the money, you feel good. You have some money again, you …

Loans

One Non Common Reason to Choose a Loan Instead of a Credit Card

EPF May 7, 2020

Picking the right credit product is an important decision, that could save you a lot of money and help you optimize your finances in a better way. However, many people often make mistakes that cost them a lot. When you search for credit cards, you will find that most financial sites offer them like the …

Banking

Disadvantages of Credit Unions That You Didn’t Know

EPF March 26, 2020

Credit unions have a numerous of advantages against banks and online lenders. Be sure of that. Whether you are looking for a loan or other type of service like investment products, most of the credit unions beat banks and online lenders. Their products are better, their fees are less. Let’s compare loans from credit unions …

Loans

How Predatory Lenders Manipulate The Terminology?

EPF March 16, 2020

Predatory lenders make a lot of money from people with their super high interest rates. According to our study, payday loan APR average at 400% and many people get into debt cycle. Auto title loans APR average at 300% and many people lose their collateral, because they are not able to pay their loan on …

Loans

Bad Credit Loans vs Short Term Loans vs Payday Loans

EPF March 15, 2020

Typically when people are with bad credit, they get payday loans, that are a type of short term loans. And they think that these things are same. Why? Lack of knowledge on this topic. Manipulating of the terminology. Yes! Predatory lenders have huge interest to manipulate the terminology, because they make a lot of money …

Loans

The Danger of No Income Verification Loans

EPF March 9, 2020

When a licensed companies give you a loan, they typically verify your whole financial situation like credit score, income, debt to income ratio and so on. In many states they are even required by law to perform this check. Your credit score, income, debt to income ratio, help the lender to understand whether you can …

College Student

College Students

Financial Conversation You Have to Have with Your Teen Before College

EPF January 3, 2020

Every time that your kid continues to grow, as a parent, your responsibility towards them increases, at least until they are adults. The moment your child steps into his/her teenage years, you should start training them to become adults. When adulthood hits, it usually happens so fast and so hard. When they are 18, teenagers …

College Students

What Should You Do when The Student Loan Grace Period Ends

EPF November 26, 2019

You finished college, graduated, but you have one massive burden on your shoulders – student loans. If you have student loans, then you probably know about the loan grace period too. The student loan grace period allows you to go for a certain amount of time after graduation without paying the debt. Don’t get me …

College Students

Ways for You to Start Paying Back Your Student Loans

EPF November 18, 2019

For them that have graduated from college recently, the nearing month of December comes with some harsh reality. The federal student loans, which account for a significant percentage of student debt, have about six-months of rest period following graduation. After this, the borrowers must start making repayment for the loans. For the graduates, this can …

College Students

Ways to Lower Your Student Loan Interest Rates

EPF October 25, 2019

Student loans are a massive financial strain on every college graduate in the U.S today. You graduate with a large amount of student loan debt, then spend years of your career trying to settle it. Soon it becomes a way of life. Settling your loan balance can be difficult, and the high-interest rates don’t help …

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 Lower Interest Rates?

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 2020

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 …

Identity theft

Social Security Number Identity Theft
Financial News

Changes Expected on Social Security in 2020

EPF December 12, 2019

Social Security is one of America’s most valuable social resources. Out of the 50 million individuals benefiting from the monthly payouts, over a third are lifted out of poverty with at least 15 million of them being retired workers. Social security is a dynamic program. In the tenth month of every year, the social security …

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 cyber security 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 to 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 cyber crime 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. …

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 don’t fall …

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’ sensitive …

Fraud

Safest and Least Safe US Cities by Fraud and Scam 2020

EPF July 20, 2017

Residents in some cities are more vulnerable to identity theft, according to a review of federal data by ElitePersonalFinance. There were almost 2.7 million complaints in the US, according to the data from the Federal Trade Commission Report. US consumers paid $905 million in fraud losses, while the average sum paid was $429. Key Findings …

Money Making Guides

Make Money

Best Free and Easy Ways to Make Money Online 2020

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 2020

EPF March 23, 2019

View All Studies According to the latest data from the Federal Deposit Insurance Corporation (FDIC): The average savings account rate decrease with 0.01%. The average checking account rate decrease with 0.01%. The money market rate increases with 0.15%. Deposit Product: National Average Rate 2019: National Average Rate 2020: Savings Accounts 0.10% 0.09% Checking Accounts 0.06% …

Banking

Average Checking Account Interest Rates 2020

EPF March 22, 2019

View All Studies Citing the latest data from the Federal Deposit Insurance Corporation (FDIC) – national average checking account interest rates currently sit at 0.05%. Deposit Product: National Average Interest Rate: Checking Account 0.05% Applicable to non-jumbo deposits – less than $100,000 – average checking account interest rates display a slight deficit compared to their …

Make Money

You Can Invest Your Tax Refund Instead of Spending it, Here is 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 2020

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 ElitePersonalFinance – we have your back. Average Savings Account Interest Rates 2020: Statistics and Key Findings National …

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College Students

Tips to Make More Money with Freelancing

EPF April 5, 2017

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 an expert in your in your …

Fraud

List of The Best Bitcoin and Altcoin Platform Exchanges 2020

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 …

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Make Money

How Discounts and Special Offers Can Work for Your Business?

EPF December 8, 2016

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 through a dry patch, and you are not making use of discounts …

Money Order Fraud and Scams to Lookout For
Fraud

Here is 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 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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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

Beginner Guide to Profit from Bitcoin and Altcoins

EPF July 13, 2016

Bitcoin is now bigger than ever. 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 are starting to catch …

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