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Apache is functioning normally

June 8, 2023 by Brett Tams

Back in the day, if you wanted a loan to pay off your car or credit cards, you’d go to a bank or a credit union, sit down with a loan officer, and wait for them to tell you yes or no as they “crunched the numbers.”

But now peer-to-peer (P2P) lending has come onto the market, offering loans to borrowers directly from individuals — and usually carrying more favorable terms for those without a great credit profile. Borrowers can access up to $50,000 (or more) from lenders, with fixed term repayment scheduled and reasonable interest rates. Investors can also become lenders on P2P platforms, earning interest collected on loans as a passive form of investment income.

Let’s break down some of the best peer-to-peer lending sites for both borrowers and investors, so you can determine which option is best for you.

What’s Ahead:

Overview of the best peer-to-peer lending sites

Best for those with high credit scores: Prosper
Best for crypto-backed loans: BlockFi
Best for young people: Upstart
Best for a payday loan alternative: SoLo Funds
Best for small businesses: FundingCircle
Best for first-time borrowers: Kiva

Prosper: Best for those with high credit scores

Prosper 210

APR: 6.99% to 35.99%
Term: 2 to 5 years

Prosper is the OG peer-to-peer lender in the market. It was founded in 2005 as the very first peer-to-peer lending marketplace in the U.S. According to their website, they’ve coordinated over $22 billion in loans.

Borrowing with Prosper

If you’re a borrower, you can get personal loans up to $50,000 with a fixed rate and a fixed term from two to five years in length. Your monthly payment is fixed for the duration of the loan. There are no prepayment penalties, either, so if you can pay it off early, you won’t be penalized.

You can get an instant look at what your rate would be and, once approved, the money gets deposited directly into your bank account.

Investing with Prosper

As an investor, you have many options on loans to choose from. There are seven different “risk” categories that you can select from, each with their own estimated return and level of risk. Here’s a look at the risk levels and the estimated potential loss, according to Prosper:

AA – 0.00 – 1.99%
A – 2.00 – 3.99%
B – 4.00 – 5.99%
C – 6.00 – 8.99%
D – 9.00 – 11.99%
E – 12.00 – 14.99%
HR (High Risk) – ≥ 15.00%

As you can see, the lower the letter, the greater the risk of default, hence a higher estimated potential loss. With just a $25 minimum investment, you can spread your risk out across all seven categories to provide your portfolio some balance.

The borrowers that you’re lending to are also above U.S. averages regarding their FICO score and average annual income.

Learn more about Prosper or read our full review.

BlockFi: Best for crypto-backed loans

APR: 4.5% – 9.75%
Term: 12 months

BlockFi is a popular crypto lending platform that offers crypto-backed loans to borrowers and pays out interest to lenders. BlockFi offers instant loans and requires no credit checks for borrowers. All loans are collateralized, meaning borrowers will need to lock in their crypto to borrow against it.

Borrowing with BlockFi

If you’re a borrower, you can get a crypto loan for up to 50% of the value of your crypto, with rates ranging from 4.5% to 9.75% APR, depending on the amount of collateral. Payments are made monthly and are fixed for the duration of the loan.

Interest rates are determined by the amount of collateral deposited and the loan-to-value (LTV) of the overall loan. There is a 2% origination fee on all loans.

Loan rate – 9.75% (50% LTV)
Loan rate – 7.9% (35% LTV)
Loan rate – 4.5% (20% LTV)

Bitcoin (BTC), Ether (ETH), Paxos Gold (PAXG), or Litecoin (LTC) can be used as collateral for the loan, and can be liquidated if the LTV goes above the original LTV of the loan.

Investing with BlockFi

BlockFi offers interest accounts for users who deposit crypto. The funds are used for crypto lending, and interest is paid out in the native crypto deposited. Interest rates vary by cryptocurrency, and range from 0.10% APY up to 7.50% APY. Stablecoins (such as USDC) pay out the highest rates.

Crypto interest accounts are not available to U.S. investors, as BlockFi was sued by the SEC for violating securities laws.

Read our full review.

BlockFi Bankruptcy Notice -On November 10, 2022, BlockFi announced that it had to suspend withdrawals from its platform due to the FTX liquidity crisis. As a result, consumers should not be using the BlockFi platform. As of November 28, 2022, BlockFi officially declared bankruptcy.

Upstart: Best for young people

Upstart 210

APR: 5.6% – 35.99%
Term: 3 or 5 years

Upstart is an innovative peer-to-peer lending company that was founded by three ex-Google employees. In addition to being a P2P lending platform, they’ve also created intuitive software for banks and financial institutions.

What’s unique about Upstart is the way they determine risk. Where most creditors will look at a lender’s FICO score, Upstart has created a system that uses AI/ML (artificial intelligence/machine learning) to assess the risk of a borrower. This has led to significantly lower loss rates than some of its peer companies. Combine that with an excellent TrustPilot rating, and this company is certainly making waves in the P2P marketplace.

Borrowing with Upstart

Borrowers can get loans from $1,000 up to $50,000 with rates as low as 5.6%. Terms are either three or five years, but there’s no prepayment penalty.

Using their AI/ML technology, Upstart looks at not only your FICO score and years of credit history, but also factors in your education, area of study, and job history before determining your creditworthiness. Their site claims that their borrowers save an estimated 43% compared to other credit card rates.

Investing with Upstart

Investing with Upstart is also pretty intuitive. Unlike other P2P platforms, you can set up a self-directed IRA using the investments from peer-to-peer lending. This is a unique feature that many investors should be attracted to.

Like other platforms, you can set up automated investing by choosing a specific strategy and automatically depositing funds.

Upstart claims to have tripled their growth in the last three years due heavily to their proprietary underwriting model, so it might be worth a shot to consider this option.

Learn more about Upstart or read our Upstart review.

SoLo Funds: Best for a payday loan alternative

APR: 0% (tipping optional)
Term: Up to 35 days

SoLo Funds is a peer-to-peer platform that functions as a short-term lender, similar to payday loans. With term lengths only lasting for up to 35 days, loans must be paid back in a narrow timeframe. But instead of charging fees, borrowers can leave an optional tip instead.

SoLo Funds is an affordable option for clients who are in a pinch and need an advance on payday, but there are hefty fees if loans are not paid back within 35 days. Users will need to pay a 10% penalty plus a third-party transaction fee if late.

Borrowing with SoLo Funds

Borrowers can take out loans up to $575 for a maximum of 35 days. Loans do not charge fees, but allow borrowers to select an optional tip amount to lenders.

Loan applications only take a few minutes, and while most loans post within a few days, some may be instantly approved, offering same-day funding with money transferred to borrowers within a few hours.

Loans must be paid back in full within 35 days, or there is a 10% penalty plus other transaction fees. There is no option to roll the loan over.

Investing with SoLo Funds

Lending is fairly straightforward, with a simple sign-up process and no pre-qualifications needed. Since the loans are smaller amounts (up to $575), there are no minimums required for lending.

SoLo Funds has a marketplace of loan requests from borrowers, with details specified on each. Each loan request shows the amount needed plus the tip given by the borrower for the loan. Each borrower also has a SoLo Score, on a scale from 40 to 99, with higher scores showing more “worthiness” for paying back a loan. Loans can go into default, and if needed, to collections through a third party. There is a risk of total loss with SoLo Funds investing, though the platform does offer insurance against loss for a fee.

Learn more about SoLo Funds.

FundingCircle: Best for small businesses

Best Peer-To-Peer Lending Sites For Borrowers And Investors REWRITE - FundingCircle

APR: 11.29% to 30.12%
Term: 6 months to 7 years

FundingCircle is a small business peer-to-peer platform. The company was founded with the goal of helping small business owners reach their dreams by providing them the funds necessary to grow.

So far, they’ve helped 130,000 small businesses across the world through investment funds by 71,000 investors across the globe. FundingCircle is different in that it focuses on more substantial dollar amounts for companies that are ready for massive growth. They also have an excellent TrustPilot rating.

Borrowing with FundingCircle

As a borrower, the minimum loan is $25,000 and can go all the way up to $500,000. Rates come as low as 5.99%, and terms can be anywhere from six months to seven years. There are no prepayment penalties, and you can use the funds however you deem necessary — as long as they are for your business.

You will pay an origination fee, but unlike other small business loans, funding is much quicker (you can be fully funded as quickly as 1 business day).

Investing with FundingCircle

As an investor, you’ll need to shell out a minimum of $25,000. If that didn’t knock you out of the race, then read on.

According to FundingCircle, you’ll “Invest in American small businesses (not start-ups) that have established operating history, cash flow, and a strategic plan for growth.” While the risk is still there, you’re funding established businesses looking for extra growth.

You can manage your investments and pick individual loans or set up an automated strategy, similar to Betterment, where you’ll set your investment criteria and get a portfolio designed for you.

Learn more about FundingCircle.

Kiva: Best for first-time borrowers

Best Peer-To-Peer Lending Sites For Borrowers And Investors REWRITE - Kiva

APR: 0%
Term: Up to 3 years

If you want to do some good in the world, you’ll find an entirely different experience in P2P with Kiva. Kiva is a San Francisco-based non-profit that helps people across the world fund their businesses at no interest. They were founded in 2005 with a “mission to connect people through lending to alleviate poverty.”

Borrowing with Kiva

If you’d like to borrow money to grow your business, you can get up to $15,000 with no interest. That’s right, no interest. After making an application and getting pre-qualified, you’ll have the option to invite friends and family to lend to you.

During that same time, you can take your loan public by making your loan visible to over 1.6 million people across the world. Like Kickstarter, you’ll tell a story about yourself and your business, and why you need the money. People can then contribute to your cause until your loan is 100% funded. After that, you can use the funds for business purposes and work on repaying your loan with terms up to three years.

Investing with Kiva

As a lender, you can choose to lend money to people in a variety of categories, including loans for single parents, people in conflict zones, or businesses that focus on food or health. Kiva has various filters set up so you can narrow down exactly the type of person and business you want to lend your money to. You can lend as little as $25, and remember, you won’t get anything but satisfaction in return — there’s no interest.

You can pick from a variety of loans and add them to your “basket,” then check out with one simple process. You’ll then receive payments over time, based on the repayment schedule chosen by the borrower and their ability to repay. The money will go right back into your Kiva account so you can use it again or withdraw it. There are risks to lending, of course, but Kiva claims to have a 96% repayment rate for their loans. Just remember, you’re not doing this as an investment, you’re doing it to help out another person.

Learn more about Kiva.

What is peer-to-peer lending?

As the name suggests, peer-to-peer lending involves private individuals making loans to other individuals. The system runs contrary to the traditional model of banks and credit unions providing financial services because it cuts out the middleman.

While peer-to-peer lending had a surge in users over the past decade, in the past few years, some P2P lending companies have shuttered their services, including StreetShares, Peerform, and LendingClub.

How does peer-to-peer lending work?

Peer-to-peer lending shares many similarities with traditional lending:

You fill out an application with your financial and personal information, including the loan’s size, tax returns, and government-issued identification.
The lender will review your application before posting it on the site for investors.
Investors get to play the part of a loan officer, reviewing a list of applications and deciding where they might want to contribute.
The platform will indicate how risky the loan is and the potential return on investment.
Funding takes anywhere from one day up to two weeks.

Is peer-to-peer lending safe?

No one would say that peer-to-peer lending is 100% safe. No form of investing is. Many of the best peer-to-peer lending sites vet borrowers and investors to mitigate risk. The review process helps eliminate untrustworthy candidates, so borrowers can receive their loan and investors can earn interest.

Read more: Should you invest in peer-to-peer loans?

Pros & cons of P2P lending for investors

Pros

An attractive alternative to more traditional investments — You can round out your portfolio that might exclusively include stocks, bonds, and mutual funds. Some platforms merge private and public equities, so you can make all your investments in one place.
Most lending platforms let you select multiple loans at once — The variation enables you to reduce your risk exposure while potentially earning higher yields than a CD or savings account.
Feel good about your contribution — With sites like Kiva, you know that your money is going toward a humanitarian purpose.

Cons

Risk of default — When you lend money to individuals, you risk them defaulting. Peer-to-peer lending sites don’t come with FDIC insurance like a CD or savings account.
P2P loans lack the liquidity of stocks or bonds — Most loans are for three to five years, so you would have to wait until then to withdraw money.
Inequality — Some platforms, such as Funding Circle, only give access to accredited investors, so not everyone has equal access to lending opportunities.

Pros & cons of P2P lending for borrowers

Pros

You can circumvent the traditional bureaucracy of brick-and-mortar banks — Instead of waiting in line and negotiating with a loan officer, you have access to a fast, online experience. Because online platforms don’t have to worry about physical overhead, many can give borrowers competitive interest rates.
P2P loans typically aren’t as strict as banks or credit unions — The lax approach makes it easier to secure a loan if you have fair or poor credit history.
Often no prepayment penalties — You don’t have to worry about prepayment penalties in many cases.

Cons

Borrowers face more hurdles if they have a low credit score — Interest rates can go as high as 36% for those with lower scores, while some platforms don’t offer financial services to anyone with a credit score below 630.
Possibly high fees — Some sites have origination fees of 6%.
Impersonal — If you want the old-fashioned face-to-face borrowing experience, peer-to-peer lending isn’t for you. You don’t have a chance to sit down with your lender and hash out terms.
Loan caps around $50,000 — If you need more money, you’ll likely have to go to a bank or credit union.

Summary

Peer-to-peer lending is a great option for borrowers with less-than-stellar credit who want access to capital with reasonable terms and rates. P2P lending is ideal for small businesses and individuals who are looking for a personal loan that does not require mountains of paperwork, and that is funded quickly (usually within a few days).

But not all P2P lending platforms operate the same, and some can charge high origination fees and interest rates. Others require high minimum loan amounts to borrow as well, making them less accessible to some borrowers.

Investors can earn decent returns with P2P lending, but there is also the risk of default and the mess of going through collections agencies occasionally. Finding a solid platform with detailed risk mitigation strategies (such as borrower scores), and insurance against default can help alleviate these concerns, but it may eat into your profits.

While peer-to-peer lending is not seeing the massive growth of a few years ago, it is still a solid option for borrowers and investors alike.

Apache is functioning normally

June 8, 2023 by Brett Tams

Have you been diagnosed with congestive heart failure? It can make applying for life insurance coverage becomes a bit difficult.

You may be able to get it approved, however insurance companies will be concerned about offering you coverage because of your potentially serious medical condition.

However, it is still very possible to get insured with congestive heart failure. Obviously it doesn’t mean your heart has actually failed and stopped working, or you wouldn’t be reading this information. It simply means it isn’t working as efficiently as it once did.

That being said, CHF, along with other heart diseases like heart attacks, congenital heart disease, and coronary heart disease, are the Number One cause of death of adults in the country. This includes both men and women.

Since this is the case, trying to get life insurance approved can be a longer process than it would normally take. This is because of additional underwriting requirements such as medical records having to be ordered. If the doctor’s office is slow in getting medical records to the insurance company, it will just take longer to get approved.

This means the SOONER you APPLY for coverage, the sooner the process will get started. You can complete our brief form on this page to get the ball rolling.

If the condition is severe then your type of coverage will be impacted. First off let’s look at some underwriting guidelines for life insurance on how they relate to congestive heat failure. Hopefully this gives you a idea on what is ahead on your application.

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Life Insurance Underwriting for Congestive Heart Failure

Your agent, knowing you have CHF, will ask you some pre qualifying questions when you first talk with them. Listed below are a few of them:

When was your congestive heart failure diagnosed?
Did any health issues contribute to your diagnosis of congestive heart failure?
Do you have high blood pressure or hypertension?
What tests have you had done to evaluate your condition?
Do you have high cholesterol?
Is there any history in your family with heart disease or death in the family due to heart conditions?
Tobacco user?
Are you prescribed any medicine to help with your issues?

Even though you might take some medications, beta blockers, inhibitors, or nitrates, for your condition, you still might be insurable as long as you don’t take multiples of each and have other issues that coincide with CHF.

When it comes to life insurance underwriting, the more information you can give the better. If your application doesn’t clearly describe your condition, your chances of a bad rating or rejection go way up. Make sure to fully answer all the application questions plus give any other details you think are important.

Life Insurance Quotes with Congestive Heart Failure

Congestive heart failure has a wide range of different severity levels. Your life insurance quote will depend on how serious your health issues are because of your condition. Insurance companies also do not accept applicants that have recently been diagnosed with congestive heart failure because they want some time to see how the condition develops.

To avoid rejections and get the best rate, its best putting off an application for twelve months after diagnosis.. From there, your rate will depend on your condition plus your overall health.

It is even possible that you may have CHF and not even realize it because the symptoms usually don’t show up initially. The reason they don’t is because your body and your heart can mask it at first, which is called compensation. The symptoms will start showing up when the heart just can’t pump enough blood to the rest of your body.

These are some standard rating classes that most life insurance companies use, though every carrier determines how you’d fall into each category, I’ll explain your chances with each class.

Preferred Plus: Generally impossible. Congestive heart failure is too serious a condition and carries too many health risks for applicants to receive the best possible insurance rating.
Preferred: Very difficult but not impossible. If your congestive heart failure has only mild health symptoms and you are in great health otherwise, you could get a preferred rating.
Standard: The likely best rating for most applicants. Applicants that only started having heart failure at 60 or older, are in good health, and have waited at least a year after being diagnosed to apply can get a standard rating.
Table Rating (substandard): Many of you will end up in this class due to the health issue.
Declines: Most applications within 3 to 6 months of a diagnosis for congestive heart failure. And other persons who deal with many health issues combined with history of health

If there is a situation where you do find that due to your medical condition you are declined for traditional life insurance, then our next recommendation is to look at a guaranteed issue life insurance policy. This type life insurance application only asks a few health questions, but not to decline your application but only to determine how much and when the death benefit would be paid out.

As you are thinking about applying for life insurance, you may also try to improve your chances of getting the best rate by doing some of the following:

Lower your sodium intake
Lower your cholesterol
Stop smoking
Exercise more often
Eat a healthier diet
Keep all other medical conditions under control with responsibly taking medications
Continue with proper medical care by your medical professionals

These recommendations are common sense, and your doctor may have other activities and guidelines. Even though there really isn’t a cure for congestive heart failure, the above lifestyle choices can minimize the degree of your heart deterioration, and allow you to get a lower life insurance rate.

Other Considerations as You are Applying for Life Insurance

This is common sense, but if you haven’t thought about it, now is the time to be thinking about how much death benefit you are looking to buy. Since you have a serious medical condition, you might not be able to afford what you would want, so be realistic in also considering how much money you have to budget for a monthly life insurance payment.

Also, how long a period will you need life insurance? Although typically no one knows for sure when their beneficiary might be filing a claim on the policy, you will need to consider whether to buy a term life insurance plan or a permanent life insurance plan. We can help you with making this decision.

Lastly, it would be a good idea not to drop or cancel any life insurance policy you presently own. As you get older, the premiums increase. So if you are comparing an old policy vs a new policy, the rates on the new policy will probably be higher than what you are paying now.

Congestive Heart Failure Life Insurance Case Studies

Its important to understand how filling out the application can hinder or help your approval percentage. Below are instances on how to and how not to go through the process.

Case Study: Female, 63 year old, non-smoker, diagnosed with congestive heart failure at age 61, taking Beta Blockers and Ace Inhibitors, no other health issues.

This applicant was only showing mild signs of congestive heart failure and was otherwise in very good health. She had no other health issues and no family history of heart disease. However, because of her condition, she was only receiving expensive, rated life insurance offers. We advised her to request an EKG to prove that her condition was under control. With this extra information, an insurance company gave her a much less expensive standard policy.

Case Study #2: Male, 54 year old, diagnosed with congestive heart failure at 51, father died young from heart disease, former smoker, improved health and weight since the diagnosis

This applicant had a very poor lifestyle prior to his heart failure diagnosis. He was smoking, overweight, and had high blood pressure. This combined with his family history of heart disease led to him being rejected from all his life insurance applications. However, since his diagnosis, this applicant dramatically improved his lifestyle. He lost a good deal of weight and quit smoking which made his condition much less severe. Since his health had improved we let him know it would be smart to get a written referral from his doctor stating how much healthier he is now. By reapplying with this extra certification, this applicant was able to receive a rated policy despite his relatively risky profile.

While congestive heart failure is quite serious, it is not enough to prevent you from taking out life insurance. You just need to handle your application well. To make sure the process goes smoothly, it helps to work with expert brokers that understand this condition.

Source: goodfinancialcents.com

Apache is functioning normally

June 7, 2023 by Brett Tams

The House of Mouse? Think a whole lot bigger.

Officials on Friday released fresh details about the first Storyliving by Disney project, an ambitious effort in Riverside County to infuse a master-planned community with the Burbank entertainment giant’s trademark whimsy and wonder.

Among the newly unveiled features of the in-the-works Cotino community is the “Parr House” — a gathering space inspired in name, design and decor by the midcentury-style home of the superhero family in the Disney and Pixar film “Incredibles 2.”

Along with a main entertaining room featuring an indoor/outdoor rock fireplace, the Parr House will include an art studio, kitchen, dining room, boardroom and five bedrooms.

It will also have an elevated patio featuring views of the nearby mountains, as well as the community’s 24-acre “grand oasis.”

Access to the Parr House, as well as other community features such as a designated beach area and certain events and activities will be open to those who opt to purchase membership in what Storyliving by Disney calls the Artisan Club.

“From Disney entertainment and events to spaces inspired by Disney stories, club members will truly experience Disney story living,” Claire Bilby, senior vice president and general manager of Disney Signature Experiences Emerging Businesses, said in a statement.

Club membership will be open to Cotino residents and nonresidents.

“A professionally managed public beach park will be accessible to local area residents and visitors to the Greater Palm Springs area with the purchase of a day pass,” the venture said in a statement.

Cotino is being built on 618 acres in the city of Rancho Mirage, near where Walt Disney Co.’s namesake founder once owned a home.

“Walt Disney was so inspired by this place — he called it his ‘laughing place,’” Amy Young, a Walt Disney Imagineering creative director, said in a video posted to the Disney Parks YouTube channel. “In a sense, we’re following Walt’s footsteps here. The same things that inspired him years ago, they inspire us today. The area has this real energy to it, and you can see why Walt loved it.”

For the project, Disney is collaborating with Arizona-based DMB Development, which specializes in planned communities.

An artist's rendering of the Artisan Club entrance

Cotino will ultimately include somewhere in the neighborhood of 1,932 residential units. Sales are anticipated to begin in 2023, with the first homes expected to be complete in 2024.

Various home types will be available, including estates, single-family homes and condominiums. At least one section of the development will be designated for residents age 55 or older.

“Storyliving by Disney master-planned communities are intended to inspire residents to foster new friendships, pursue their interests and write the next exciting chapter in their lives,” the venture said.

Other locations are being explored for potential future projects, but no details have yet been publicly announced.

Disney, like many of its competitors, has faced pressure to rein in costs — particularly in the increasingly crowded streaming arena. Along with Disney+, the company also owns ESPN+ and two-thirds of Hulu.

The company’s chief executive, Bob Iger, on Monday provided more details of his plan to cut 7,000 jobs as part of a wider effort to rejuvenate its finances and reach profitability in its streaming business.

According to people familiar with the matter, the layoffs are spread throughout the company — affecting roles in the units formerly known as Disney General Entertainment and Disney Media and Entertainment Distribution, as well as corporate positions and jobs in the theme parks, experiences and consumer products business.

Times staff writer Ryan Faughnder contributed to this report.

Source: latimes.com

Apache is functioning normally

June 7, 2023 by Brett Tams

The Sunshine State is a great place to call home. Whether you’re an individual or small business owner, rest assured there are many banks available to help you meet your financial goals.

While some banks have brick-and-mortar locations in Miami, Tampa, Jacksonville, Orlando, and other parts of the state, others are online-only, meaning you’ll need to use an online portal or mobile banking app to manage your accounts.

15 Best Banks in Florida

We’ve done all the research and compiled this list of the best banks in Florida so you can make the most informed decision for your unique situation.

1. Huntington Bank

Huntington Bank has been around since 1866 and primarily services Southwest Florida. Its solo Florida branch can be found in Naples but you can bank from anywhere, thanks to a robust digital banking program.

Huntington’s checking accounts come with many benefits, such as 24-hour grace overdraft fee relief, platinum debit cards, mobile pay, and early pay. You can make deposits to them directly or through an ATM or mobile device.

If you’re looking for the ideal savings account, you may choose from several money market accounts, IRAs and other retirement accounts, and certificates of deposit. Huntington serves small business owners in Florida as well through business checking accounts, business credit cards, business loans, insurance products, and more.

2. Chime

Chime isn’t a traditional bank or credit union. However, it’s a mobile banking app you can take advantage of in Florida. It made its debut in 2013 and offers online banking services through Bancorp Bank, N.A. and Stride Bank.

With the Chime Checking account, you can enjoy early direct deposit, automated savings tools, free debit card replacement, and access to over 60,000 fee free ATMs across the county. If you opt for the Chime High-Yield Savings account, you’ll lock in a competitive interest rate and won’t have to pay monthly fees or meet a minimum balance requirement. Plus, there is no cap on how much interest you may earn.

3. Revolut

Revolut is another non-traditional banking opinion that serves Floridians from the U.K. With Revolut, you can access your paycheck up to two days early and won’t be charged fees for withdrawals at 55,000 ATMs across the nation.

If you consider yourself an avid traveler, you’re sure to appreciate its travel perks, such as currency exchange, overseas health insurance, delayed baggage and flight insurance, and the ability to make purchases in numerous currencies.

With the Smart Delay feature, you’ll get to hang out in airport lounges if your flight is delayed. Additionally, Revolut offers budgeting and analytics tools so you can keep your finances in check as well as cash back when you make purchases at select retailers.

4. Ally Bank

Ally Bank is an online bank with rates that are about 10 times the national average. Even though there are no Ally branches in Florida, it’s a solid pick if you’d like your money to grow quickly. Unlike most brick-and-mortar financial institutions in the Sunshine State, Ally doesn’t charge monthly fees or impose minimum balance requirements.

You can open an Ally account with any deposit amount. In addition to a savings account, you may take advantage of an interest bearing checking account and credit cards with rewards like cash back and travel points. We can’t forget Ally’s retirement and investment services, which include self-directed trading, robo portfolios, IRAs, stocks, commission-free ETFs, and even cryptocurrency.

5. Regions Bank

Regions Bank is a regional bank with more than 300 branches and 500 ATMs in Florida. If you’re an avid traveler, rest accrued the bank also has many locations in the Midwest, South, and Texas. Regions stands out from other, larger financial institutions for its checking account rewards program and LifeGreen Savings account, which is free of monthly maintenance fees and service fees.

In addition to the LifeGreen Savings account, you may opt for a Regions Savings account. This account offers a discount on a safe deposit box, a minor account for children under 18, and the Now Savings account, which is specifically for those with a Regions prepaid Visa card.

Furthermore, Regions offers CDs with terms that range from seven days and 72 months. Other perks include a robust mobile app and 24/7 customer service through an online secure messaging system.

6. Bank of America

Bank of America is a large bank with nearly 500 branches throughout the Sunshine State and no shortage of ATMs across the country. Thanks to its handy mobile app, you can cash checks, pay bills, and manage your accounts while you’re on the go. Speaking of accounts, there’s something for everyone at Bank of America.

The Bank of America Advantage Banking account is a checking account with three features: SafeBalance, Advantage Plus, and Advantage Relationship. With SafeBalance, which is ideal for students, you don’t have to worry about overdraft fees.

Advantage Plus offers several ways to waive monthly fees and Advantage Relationship rewards you with interest and other perks for higher balances. In addition, Bank of America boasts credit cards with generous sign on bonuses for new checking account customers, a variety of mortgages, and investment management services.

7. Chase Bank

Chase Bank is a part of JPMorgan Chase and has more than 400 branches in Florida. With Chase, you can expect a large ATM network of over 16,000 ATMs across the country and a number of online and mobile banking tools. If you decide to become a Chase customer, you’ll have access to two savings accounts: the Chase Savings account and the Chase Premier Savings account.

While Chase Savings comes with a low monthly fee, the Chase Premier Savings is a solid pick if you’re looking for a competitive interest rate on a large balance. When it comes to checking accounts, Chase offers several options, like the Chase Total Checking account and the Chase Sapphire Checking account with perks like attractive interest rates and no ATM fees.

Note that the Chase Sapphire Checking account is only available for Sapphire members with an average balance of $75,000 average balance.

8. Fifth Third Bank

Fifth Third Bank is a national bank that was recognized by J.D. Power for the great banking experience it provides in Florida. It has numerous branches in Bradenton, Lakeland, Apopka, Orlando, and other cities throughout the state.

You can open a checking or online savings account without having to worry about an opening deposit requirement and won’t be charged a monthly fee for any checking account.

If you do face a fee for a savings account, there are several ways to get it waived. Fifth Third also offers an extensive ATM network, which will give you access to more than 50,000 ATMs across the country.

Additionally, if you get paid via direct deposit in a Fifth Third account, you may access your paycheck up to two days early. For questions and concerns, you can reach out to Fifth Third’s customer service team 6-days a week.

9. TIAA Bank

TIAA Bank is the largest regional bank in the Sunshine State. You can find its financial centers in Jacksonville, Clearwater, Boca Raton, Coral Gables, Fort Lauderdale, Naples, and Fort Myers.

In addition to a personalized banking experience, this Florida bank provides a checking account featuring low fees and no transaction limits, a savings account with no monthly account fees and competitive rates, and three different types of CDs.

Plus, the bank is digitally savvy and provides online banking tools so you can keep tabs on your accounts, set a budget and savings goals, make transfers, pay bills, and send money with Zelle. If you’re interested in investing, TIAA Bank will give you the opportunity to invest in precious metals and foreign currencies.

10. Capital One

Capital One is a national bank that’s known for its flagship 360 Checking account. With a 360 Checking account, you can enjoy an attractive interest rate, access to more than 70,000 fee-free ATMs across the U.S., and 24/7 mobile banking.

You also won’t be on the hook for any monthly fees and Capital One will automatically decline any transitions that overdraw your balance for no extra charge.

Even though Capital One does not have any physical branches in Florida, you can apply for and manage your accounts online. Other benefits of Capital One include early paycheck, which can allow you to receive your incoming funds up to two days early, free financial coaching sessions, and a well-designed mobile app.

11. Raymond James Bank

Raymond James Bank is based in Florida. It’s an affiliate of Raymond James, which is a financial company with headquarters and one branch location in St. Petersburg. Through its Enhanced Savings Program, you’ll be able to earn interest on certain cash if you link your brokerage account to a high-yield Raymond James bank account.

You can also receive yields that are higher than traditional checking or savings accounts without bank fees or holding periods. Raymond James also offers a plethora of mortgage products, such as fixed rate and adjustable rate mortgages, interest-only mortgages, jumbo mortgages, pledged securities mortgages, construction mortgages, and home equity lines.

12. PNC Bank

PNC Bank is one of the largest traditional banks in the U.S. with nearly 200 branches in Florida. It offers the PNC Standard Savings account, a children’s savings account, and Virtual Wallet, which pairs a traditional checking and savings account. If you decide on the Virtual Wallet, you can enjoy a generous sign-up bonus and no fees.

When it comes to CDs, you can choose from a plethora of options including fixed rate CDs, ready access CDs, fixed rate IRA CDs, callable CDs, variable CDs, and stepped rate CDs. Additionally, the bank goes the extra mile with free budgeting tools and competitive interest rates for account holders that meet certain criteria. As an added bonus, PNC has a reputation for stellar customer service.

13. Discover Bank

Discover Bank is known for its credit cards. However, it’s an online bank with other banking products for Florida residents. Not only does Discover offer cash back on debit card purchases, it doesn’t charge monthly maintenance fees, insufficient funds fees, or overdraft fees.

While there are no branch locations in Florida, Discover has an intuitive mobile banking app and is part of a large ATM network of more than 60,000 fee free ATMs. In addition to checking accounts and savings accounts, you can turn to Discover for credit cards with various rewards and loans, like personal loans, student loans, home equity loans, and mortgage refinancing.

14. Wells Fargo

Wells Fargo is a major financial institution with more than 600 branches and thousands of ATMs throughout Florida. At Wells, you’ll find a full suite of banking products and services, such as checking accounts, savings accounts, certificates of deposit (CDs), credit cards, personal loans, and home loans.

You can choose from a basic, no-frills free checking account or opt for an interest checking account or a checking account for a teen or young adult. There are also a few saving account options, like a goal-based savings account and a high-interest savings account.

While you can visit a local branch if you prefer an in-person banking experience, you may also take advantage of online and mobile banking. In addition, Wells offers other conveniences like Zelle money transfers and online bill pay.

15. My eBanc

My eBanc is an online savings bank that serves customers in Florida and other parts of the U.S. It’s part of Banco Bradesco, a large bank in Latin America, which is an FDIC insured institution chartered in Florida. As a My eBanc customer, you’ll have access to several products that can help you save money and achieve various financial goals.

The SuperSaver Money Market account requires a $5,000 minimum deposit but offers perks such as a competitive interest rate, unlimited deposits, money management tools, and mobile check deposit. Other popular accounts you might consider include the eRelationship Savings account and Advantage Checking account. My eBanc also offers online time deposits with terms between 6 months and 36 months.

Types of Banks in Florida

The ideal bank depends on your particular banking preferences. In the Sunshine State, most banks are either national banks, regional banks, community banks, or online banks. Let’s take a closer look at how each banking option works.

National Banks

National banks are common in larger cities throughout Florida. If you’re looking for a wide range of banking products, you’re sure to find them at national banks, such as Wells Fargo, PNC Bank, and Wells Fargo.

Regional Banks

Regional banks have branches in certain regions of the U.S. In most cases, these banks are mid sized and offer a good mix of personal banking and business banking products. A few examples of regional banks in Florida include Regions Bank and TIAA Bank.

Community Banks

Community banks serve customers in specific geographic areas. Also known as local banks, community banks are similar to credit unions in that they focus on personal customer service and community outreach. Community Bank of the South and Mainstreet Community Bank of Florida are two community banks in Florida.

Online Banks

Online banks don’t have physical locations in Florida but serve individuals and businesses with online banking services. Since they have less overhead costs than banks with brick-and-mortar locations, online banks tend to offer more competitive interest rates and minimal to no fees.

Bottom Line

If you live or work in Florida, there are many reputable banking options available to you. As you explore various banks and credit unions, consider their accounts and services, fees, interest rates, customer service, and perks. Good luck in your search for the best bank in Florida.

Frequently Asked Questions

What are the largest banks in Florida?

The largest banks in the Sunshine State include Bank of America, Wells Fargo, and Fifth Third Bank. These banks have many branches throughout the state.

Should I choose an online bank?

If you’re comfortable with the internet or mobile apps, online banking from a place like Ally Bank and CIT Bank can be a smart choice. This is particularly if you can find the products you need with competitive interest rates and low fees.

What is the best bank for in person service?

Florida offers many great options if you prefer an in-person banking experience. You might want to consider Regions Bank, TIAA Bank, or Raymond James Bank.

How do I open a bank account in Florida?

Most banks allow you to open a deposit account online, from the comfort of your own home or office. Be prepared to make a minimum opening deposit and provide basic personal information, like your name and Social Security number.

Do Florida banks charge fees?

In most cases, larger brick and mortar banks require customers to pay fees like monthly service fees, wire transfer fees, overdraft fees, excessive withdrawal fees, ATM fees, and late payment fees. You might be able to get them waived, depending on the bank and the type of account you open.

What is the best local bank in Florida?

There are many local banks in the Sunshine State that each come with their own benefits and drawbacks. Several options you might want to explore include Florida Shores Bank, Seaside Bank and Trust, and One Florida Bank.

What is the difference between a bank and a credit union?

Anyone can become a customer at a bank. If you want to take advantage of the products and services at a credit union, you’ll need to meet certain criteria and join it.

Source: crediful.com

Apache is functioning normally

June 7, 2023 by Brett Tams

One thing I love about Millennials and Zoomers is how freely we share advice.

Case in point, there are now countless wealth coaches and personal finance gurus on TikTok recording their best tips on saving, investing, and achieving financial freedom faster.

And we’re hungry for their advice. According to CNN, the hashtag “#personalfinance” alone has a total of four billion views, with “#financialliteracy” and “#financetiktok” not far behind.

However, while the intent is always sound, the tips themselves aren’t. There are some misguided and potentially devastating personal finance myths being perpetuated on TikTok these days, so I am here to address them head-on.

Let’s debunk seven of the most common TikTok money myths before you make a potentially dangerous financial move.

What’s Ahead:

1. “You can (and should) get rich quick”

The implication

“Get rich quickly and easily by following my personal finance advice.”

Here’s how to instantly spot a personal finance influencer who abides by a “get rich quick” philosophy: just look for the lime green Lamborghini in the background.

Once they’ve given you a few seconds to lust after their six-figure Italian whip, they’ll start telling you how they “turned $5,000 into $723,000” by following “three simple rules of investing” or some such promise. Sounds appealing.

The reality

Multiplying money on that scale, in that little time, always involves a staggering amount of risk, luck, or both. This is assuming, of course, that the influencer is even being 100% truthful – and that background Lambo isn’t a rental.

It’s entirely possible that this person really has gotten extremely lucky on some clandestine investing opportunity, but lottery winners aren’t financial advisors.

Actual financial advisors, and their very rich clients, will give you this advice:

“Get rich slowly.”

If you wouldn’t spend your life savings on lottery tickets, you shouldn’t get your financial advice from TikTok influencers who got lucky, either. The key is to get rich without the risk, and here’s exactly how to do it, step-by-step.

2. “Day trading is easier than you think”

The implication

Historically, only the rich and well-connected could make money on the stock market. But now that we have apps like Robinhood and Webull, everyday investors like you and me can buy, sell, and trade stocks ourselves, getting rich in the process just like day traders on Wall Street.

The reality

97% of day traders lose money.

That’s according to a large-scale study of day traders, where the researchers concluded:

“We show that it is virtually impossible for individuals to day trade for a living, contrary to what course providers claim.”

By contrast, “only” 70% or so of gamblers in Vegas lose money, according to the Wall Street Journal. So your money is safer on the roulette table than taking a TikTokers’ investing advice (but still, don’t gamble).

3. “Rich people look rich”

The implication

Earn big, spend big. As your income level rises and you start to feel “rich,” it’s time to start acting like it. Get a luxury apartment, lease a Mercedes, and don’t hesitate to buy that $2,000 purse.

Besides, what’s the point of working hard if you’re not playing hard?

This one is definitely more of an implication than a direct piece of advice. I don’t know of any TikTokers who are outright saying “spend all of your money” – but there are certainly plenty who are leading by example.

The reality

Rich people become rich precisely because they don’t spend money – they invest it. There’s a saying by famous-yet-frugal YouTuber Scotty Kilmer that I think about all the time:

“Broke people buy BMWs, and rich people buy Toyotas.”

Rich (or soon-to-be-rich) people know that if they buy a Toyota instead of a BMW at age 30, and invest the $30,000 difference at 10% APY, they’ll have:

$77,812 when they’re 40.
$201,825 when they’re 50.
$843,073 when they retire at 65.

The point of this anecdote isn’t to throw shade at Bimmer, but rather, to highlight how rich people think differently before making a purchase. They don’t think:

“How much can I afford?”

But rather:

“How much can I save and invest?”

In short, rich people don’t lead extravagant lifestyles – they lead frugal, yet comfortable lifestyles now so they can live however they want later.

4. “Live on a shoestring budget”

The implication

On the complete other side of the spectrum, there are TikTokers who advocate a shoestring lifestyle, where rigorous budgeting and extremely limited pleasure spending are the only viable pathways to financial freedom.

The reality

It’s totally OK to buy nice things and treat yourself.

In the previous example, yes, a BMW costs $30,000 more than a Toyota – and if you invest that money instead of buying a fancier car, you’ll have a fortune waiting for you by retirement.

That being said, if the BMW brings you joy and makes you happy (and you can afford it), buy it.

The key to achieving financial mindfulness isn’t to spend less – it’s to spend more mindfully on the things that truly matter to you. There are influencers out there who say you should stop going out to eat cold turkey because a restaurant meal for two can easily exceed $60 or even $100.

But financial mindfulness says that if that meal helps you build a relationship with someone, it’s worth it.

Draconian saving can be just as misguided as wanton spending. The key, then, is to determine how much you can safely spend each month, and then to spend that money on the people and things that bring you the most joy.

5. “Cryptocurrency will make you rich”

The implication

This one’s pretty straightforward, and I have heard it straight from countless TikTokers’ mouths: crypto will make you rich.

Forget the corrupt, manipulated stock market – Bitcoin, Ethereum, and Dogecoin will bring prosperity and financial salvation to Millennials and Zoomers.

I mean, what other investment vehicle has provided anything even close to the 750,000,000% ROI that Bitcoin has since 2011?

I got rich off crypto and you will, too – hop aboard before it’s too late.

The reality

Cryptocurrency is like a fast-moving, rickety roller coaster at the county fair. The foundation hasn’t completely crumbled, but the wooden boards and screws holding it up are falling off with each passing car.

Hop aboard the crypto train at your own peril.

It’s true that Bitcoin has had a miracle run since 2011, rising from $0.008 to a peak of around $65,000 in April 2021 and making a lot of people very, very rich. But even diehard crypto fans have acknowledged that a “Bitcoin winter” is coming – that is, if it hasn’t already.

The Bitcoin winter is just one of the many huge risks to a crypto investment. The others (like China’s clampdown on mining) are fast approaching the roller coaster’s foundation with a sledgehammer.

Can Bitcoin still make you rich? Maybe, but there are plenty of safer rides at the carnival.

6. “Just copy the investments of rich people”

The implication

You can’t copy athletes to win gold medals, nor can you copy New York Times Best Sellers to sell more books.

However, you can totally copy the investing strategy of rich people to get rich.

In fact, they want you to copy them – either because your investment makes their investment more valuable, or simply out of the goodness of their heart. Warren Buffet famously shares his trades with the public so they can borrow and benefit from his wisdom.

So why spend 14 hours a day researching good trades when you can just copy someone else’s homework – especially when they ask you to?

The reality

Rich people can afford to make extremely risky investments and lose money that you and I can’t afford. For that reason, they shouldn’t always be followed into battle.

Warren Buffet is also famous for admitting when he’s made a mistake. In 2014, he confessed that he’d held onto shares of Tesco for way too long, costing him and his investors $444 million. Berkshire Hathaway’s investors may have been able to shrug off the loss, but any outsiders emulating Buffet’s moves may have been screwed.

Copying the investments of rich people may be a viable strategy if their investments fit within your financial goals and risk tolerance. For help determining whether that’s the case, you want to talk to a wealth advisor.

7. “You don’t need a wealth advisor”

The implication

Thanks to zero-commission trading platforms, you no longer need to buy and trade stocks through a sweaty stockbroker in some Manhattan office.

By that same logic, the emergence of robo-advisors and the fountains of free financial advice on TikTok have eliminated the need for old-fashioned wealth advisors. After all, why give someone 2% of your hard-earned gains when it’s never been easier to invest your money yourself?

The reality

The recent trifecta of online brokers, robo-advisors, and personal finance gurus on social media has done wonders empowering Millennials and Zoomers to handle our money better. The TikTok DIYers certainly have one thing right: it’s never been easier to make your own trades.

However, despite birthing a renaissance in financial literacy, nothing on TikTok can replace the tailored, one-on-one advice you’d get from a professional wealth advisor.

Robo-advisors can personalize your investing strategy to an extent, but they can’t play a direct role in helping you navigate the markets and make good decisions.

Summary

There’s plenty of sound personal finance advice on TikTok, but it only takes one bad tip to cost you money.

For that reason, it literally pays to separate the wheat from the chaff. Not everyone who’s made money is a skilled investor – some are just lucky.

Apache is functioning normally

June 7, 2023 by Brett Tams

Dealing With Money Stress

Dealing With Money Stress Money stress is something that impacts many.

According to a Better Money Habits Millennial Report, 41% of millennials are chronically stressed about money. 65% of millennials say that money stress impacts their well-being, 49% say it impacts relationships, 42% say it impacts their physical health, and 22% say that money impacts their work.

That’s a lot of stress!

No matter how young or old you are, I’m sure money-related stress impacts all age groups and not just millennials.

Also, don’t assume that money-related stress only impacts those who have a lower income. According to CNBC, those with a net worth of $1,000,000 or more still feel a significant amount of money stress. They fear that everything will be gone just like with a flip of a switch.

As you can see, money stress can impact all different types of people.

Money stress may:

Cause you to lose sleep;
Make you sick, nauseous, etc.;
Lead to high blood pressure;
Hurt your career;
Impact your family;
Make you angry or sad; and more.

However, you need to realize that money-related stress is something that you can have control of.

Below are several ways to fight money stress so that you can get your life back!

Figure out what’s causing your money stress.

There are many different reasons for why you may be experiencing money stress. You may be in debt, living paycheck to paycheck, spending more than you earn, and so on.

You won’t be able to eliminate your money stress unless you figure out what your problem is.

After you realize where your money stress is coming from, you can then create an action plan to fix whatever is wrong.

You may need to earn more money, pay off your debt, save more, learn how to deal with financial situations in a better way, and so on.

Related articles:

Talk about money with your loved ones.

If you are feeling money stress, there is a chance that you may be feeling like you are all alone. Instead, you should talk about money problems that you may be having with your partner so that you can find a solution together.

Regularly communicating about money is an important step for every relationship. Being open about your money situation can help prevent any surprises, it will ensure that both people in a relationship are aware of what’s going on, and so on.

You and your partner should sit down every so often such as once a week, once a month, or whatever timeframe works best for the two of you.

Realize that more money won’t always make you happier.

In 2010, a study came about money and it’s relation to happiness was published. According to the Wall Street Journal:

The magic income: $75,000 a year. As people earn more money, their day-to-day happiness rises. Until you hit $75,000. After that, it is just more stuff, with no gain in happiness.

Yes, more money may help you solve some problems, but if you don’t have a firm grasp on your finances then more money may just lead to more problems.

Source: BetterMoneyHabits.com

Understand that money and things don’t define you.

Too many equate their worth with how much money they make or what they are able to buy. In reality, though, how much money you make and spend doesn’t define who you are at all.

Remember that keeping up with the Joneses won’t help you.

Keeping up with the Joneses will make you broke and unhappy because:

You will never be happy no matter how much money you spend.
You will constantly compare yourself to EVERYONE.
You will go into debt because that’s the only way you feel like you can keep up.
You will have a loan payment for everything because that’s the only way you can “afford” everything.
You won’t have any money left over for retirement, an emergency fund, etc. because you’re spending it all on things you do not need.

Read more about how to avoid keeping up with the Joneses here.

Have fun.

No matter how bad your money stress may be bringing you down, you should still remember to have fun.

Having fun and enjoying life can improve your mood, help you be more healthy, clear your mind, and more.

There’s a myth out there that being frugal means you can’t have any fun. Many believe that frugal fun doesn’t even exist. There are plenty of ways to enjoy your life while staying on a realistic budget.

Related: How To Be Frugal And Fun (And Not Boring)

Stop living in the past.

When many are feeling financially stressed out, they start regretting everything they’ve done in the past that has ever cost money.

In fact, I recently overheard someone joking about how stressed out they get when they just think about their past money mistakes, such as even something as small as buying fast food.

While thinking about your past money mistakes may help you realize that you’ve made errors in the past so that you can change for the future, dwelling on them will only waste your time and ruin your mood.

This leads to my next point…

Be positive.

Yes, I realize that thinking positively can sometimes be tough when your money problems are getting you down. However, it’s important to remember that thinking negatively most likely will not help your situation at all.

Thinking positively may help you persevere, move on, and find a better solution to your problem.

Related: Why I Believe Being Positive Can Change Your Financial Situation And Your Life

Does money stress impact you?

Apache is functioning normally

June 6, 2023 by Brett Tams

If you live or work in Delaware, it’s important to find the right bank for your unique goals. Fortunately, there are plenty of options at your disposal.

In addition to its beautiful beaches, affordable housing, and historical landmarks, the First State is home to many reputable banks that are member FDIC for your peace of mind and ideal for your personal or business finances.

13 Best Banks in Delaware

While some have local branches throughout the state, others are online only. To make your search for the ideal financial institution a bit easier, we’ve done the heavy lifting for you and listed the best banks in Delaware below.

1. The Bank of Delmarva

The Bank of Delmarva is a small community bank with branches in Ocean City, Salisbury, and Sussex County. Its lineup of personal banking accounts and services includes the best checking accounts, savings accounts, money market accounts, CDs, and IRAs.

If you’re a small business owner, rest assured that it offers business loans, commercial products, and merchant services. Compared to other banks in the state, it offers low fees and competitive interest rates. Plus, it’s earned stellar reviews for its customer service. We can’t forget the intuitive mobile app you can use to manage your banking while you’re out and about.

2. Chime

Chime is a digital bank redefining traditional banking norms. With no physical branches, Chime stands out by providing a simple yet intuitive suite of financial products, all managed from their highly rated mobile app. The bank offers a fee-free¹ checking account, a savings account, and a secured credit card.

The checking account, with no minimum balance and no overdraft fees, is particularly impressive. Its standout feature, SpotMe⁵, allows qualifying users to overdraw by up to $200 without fees. Meanwhile, the savings account is made appealing with an automatic savings feature, making it simple to save without thinking.

Notably, Chime gives the benefit of receiving paychecks up to two days early² with direct deposit setup, a major plus for budgeting and financial planning. Its secured credit card is also a boon, helping users build credit over time through responsible usage and consistent payments.

3. TD Bank

TD Bank is a solid pick for a national bank with a handful of locations in the First State. With TD Bank, you can expect a plethora of products and services, no fees on international transactions, and a highly rated mobile banking app.

From personal and business checking accounts and savings accounts to personal loans, IRAs, and mortgages, TD Bank truly offers it all. If you open an account, you might qualify for a generous bonus. Also, if you’re a student or young adult, you won’t have to worry about monthly maintenance fees or service fees. You might also be able to waive these fees if you maintain a high balance in your accounts.

4. M&T Bank

M&T Bank has many locations in Delaware in cities like Wilmington and New Castle. Even if you don’t live in an area with a physical M&T location, you can enjoy digital banking and conveniences like Zelle transfers and mobile deposits. When it comes to checking accounts, M&T Bank offers four options.

The EZ Choice Checking is your best bet for a basic, free checking account while MyWay Banking is a checkless account that doesn’t charge overdraft fees. MyChoice Plus is an interest-bearing account, just like MyChoice Premium, which offers competitive rates on loans and other products.

In addition to these noteworthy checking accounts, you’re sure to appreciate M&T’s large ATM network and no monthly fees.

5. Artisans’ Bank

Artisans’ Bank has served Delaware since 1861. Today, it has 12 branch locations in the First State as well as two commercial lending offices. Artisans’ list of personal banking products includes checking accounts, savings accounts, money market accounts, debit cards, and branded credit cards with cash back rewards.

The bank also serves small businesses in Delaware with small business banking products such as business bank accounts, business credit cards, and business loans. Even though Artisans’ is a local bank with a physical presence, it offers online banking services so you can manage your accounts online.

6. Capital One

Capital One is a large bank with a reputation for no minimum deposit requirements or monthly maintenance fees. While there are no Capital One branches in Delaware, the bank is worth considering if you prefer online banking. You can apply for and manage personal and business accounts online.

Speaking of accounts, its flagship account is the 360 Performance Savings that makes it a breeze to earn interest on your hard earned money. In addition to an impressive interest rate, there is no minimum balance required so you can open an account with any amount. Other perks there is a highly rated mobile app and free credit card monitoring.

7. Axos Bank

Axos Bank is a digital bank with competitive interest rates on checking and savings accounts, which are free of monthly fees and ATM fees. Even if you live in Delaware, you can perform your banking through Axos online or via the intuitive mobile app, which comes with mobile check deposits, fund transfers, and mobile bill pay.

The bank’s checking accounts offer rewards while the savings accounts stand out for their ATM cards. Speaking of ATMs, Axos Bank will reimburse you for ATM fees on many of its accounts. In addition to its personal banking products, Axos specializes in new mortgages, mortgage refinancing, HELOCs and home equity loans, car loans, personal loans, and managed investment portfolios.

8. Barclays Bank

Barclays Bank operates in Wilmington. It’s a global bank that serves all U.S. states with several banking products. Even though there is only one branch in Delaware, it offers an online portal and a highly rated mobile app so you can bank from anywhere.

As a customer, you’ll enjoy benefits like a high interest rate on high-yield savings accounts and CDs. If you do open a CD with Barclays, you’ll also reap the benefits of low withdrawal penalties. In addition, the bank’s customer service line is available seven days a week to answer any questions or concerns you might have.

9. Community Bank Delaware

Community Bank Delaware is exactly what it sounds like: a community bank based in Delaware. Since it’s locally owned and managed, it focuses on personalized customer service and community support.

At this bank, you’ll find checking accounts, personal savings accounts, time deposits, personal loans, personal credit cards, mortgages, and home equity loans. Community Bank also serves local small business owners with products to support their business operations, such as checking accounts, business savings accounts, business credit cards, and merchant services.

Additional banking solutions include online banking, wire transfers, cashiers checks, night depositary services, direct deposit, and safe deposit boxes.

10. PNC Bank

PNC Bank is a national bank with over 30 branches in cities such as Dover, Bear, Wilmington, and Newark. Its deposit accounts and other products are designed to meet all your banking needs. Virtual Wallet Spend is a combination checking and a long term savings account with a generous sign-up bonus and features like online bill pay, free mobile banking, and a debit card.

While there is a monthly maintenance fee, you can avoid this monthly fee if you maintain a direct deposit balance. PNC also offers loans, such as mortgages, home equity lines of credit, auto loans, personal loans, student loans, and refinancing products. With the PNC mobile app, you’ll be able to manage your accounts while you’re on the go.

11. Ally Bank

Ally Bank is an online bank with competitive rates on savings accounts, money market accounts, and CDs. Thanks to its low overhead costs, Ally doesn’t charge monthly maintenance fees or impose minimum balance requirements.

You can access your money and make cash transactions at more than 43,000 ATMs through the Allpoint network, which Ally has joined. If you have certain savings goals, you’ll love Ally’s “buckets” feature. With the buckets, you’ll be able to organize your funds and receive personalized recommendations that allow you to save.

12. Wells Fargo

Wells Fargo is one of the largest banks in the U.S. with no shortage of physical branches and ATMs throughout Delaware so you can easily deposit cash. Just like most large banks, Wells Fargo offers a full suite of banking products, such as checking accounts, savings accounts, credit cards, home loans, personal loans, and auto loans.

Investment and retirement accounts as well as wealth management services are available too. You can invest on your own or take advantage of a financial advisor that will help you come with a personalized financial plan. Whether you’re an individual or a small business owner, you’re bound to find what you’re looking for at Wells. If you open an account, you may be eligible for a cash sign on bonus.

13. WSFS Bank

WSFS Bank is a regional bank and a subsidiary of a financial services company called WSFS Financial Corporation. Based in Delaware and Greater Philadelphia, WSFS Bank is known as one of the oldest banks in the country.

It offers a wide range of personal banking services, like checking accounts, savings accounts, credit cards, loans, and wealth management. Its certificates of deposit (CDs) feature competitive interest rates you might not be able to find elsewhere and the WSFS Bank Philadelphia Union Visa® Debit Card comes with contactless pay and access to more than 670 ATMs in Delaware and Philadelphia.

At WSFS Bank, you can also take advantage of business banking services, like SVP management, cash management, and merchant services.

Delaware Banking Options

There are three main types of banks in Delaware, including national banks, community banks, and online banks. Here’s a brief overview of each one.

National Banks

National banks are large banks that can be seen throughout Delaware and other states. These banks typically offer a long list of products for individuals and business owners, such as checking accounts, savings accounts, retirement accounts, credit cards, and mortgages. Some examples include TD Bank, Wells Fargo, and PNC Bank.

Community Banks

Community banks are designed to serve local communities in Delaware. You’ll find that these banks prioritize personal customer service. Community Bank Delaware and the Bank of Delmarva are two community banks in the First State.

Online Banks

Online banks operate online and don’t have physical locations in Delaware. Since their overhead costs are lower than banks with brick-and-mortar branches, online banks usually provide lower fees and higher interest rates. Chime, Axos Bank, Ally, and UK-based Barclays Bank are great online banking options in Delaware.

Bottom Line

Delaware has plenty of banks and other financial institutions to help you meet your financial goals. Before you choose one, consider your priorities and weigh the pros and cons of all your options.

If you like an in-person banking experience, a community bank might make sense. On the flip side, if you prefer online and mobile banking, an online bank is likely the way to go. Good luck with your search for the best bank in Delaware.

Frequently Asked Questions

How do Delaware banks keep my money safe?

Most banks insure your deposits up to 250,000 with the FDIC or Federal Deposit Insurance Corporation. Other services like fraud protection can also give you some peace of mind for your linked accounts.

What are the most popular banks in Delaware?

The banks with the most branches in Delaware include PNC Bank, M&T Bank, and WSFS Bank. If in-person banking is important to you, these banks should definitely be on your radar.

Can I open a bank account in Delaware as a non-resident?

Yes. In most cases, you can open an interest earning account or business savings account even if you don’t live in Delaware. You’ll likely need an Individual Taxpayer Identification Number (ITIN).

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2. Early access to direct deposit funds depends on the timing of the submission of the payment ﬁle from the payer. Chime generally make these funds available on the day the payment ﬁle is received, which may be up to 2 days earlier than the scheduled payment date.

5. Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

Source: crediful.com

Apache is functioning normally

June 6, 2023 by Brett Tams

Television has a strong track record of portraying intelligent main characters. While the professions and types of shows are typically similar, the characters are all vastly different in personality. A popular online forum discusses these characters with varied thoughts. Intelligence is also a relative thing and comes in various forms. From doctors to scientists to detectives, more than a fair share of incredible brainiacs grace our screens.

1. House M.D. (Dr. Gregory House)

Dr. Gregory House from House — Photo Credit: Fox Network.

In the history of medical shows, no other doctor holds a handle to Dr. Gregory House, played brilliantly by Hugh Laurie. He is a grumpy, sarcastic addict with a horrific bedside manner. But as the doctor whose task is to diagnose seemingly impossible-to-decipher symptoms, House is a genius.

1. House M.D. (Dr. Gregory House)

He always had a strong team surrounding him, but ultimately, House figured out what was plaguing each patient. As one fan accurately says, “House M.D. is like a medical version of Sherlock Holmes.” The show and the character are brilliant.

2. Timeless (Lucy Preston)

Lucy Preston from Timeless — Photo Credit: NBC Universal.

Timeless is a short-lived but engaging series about a group of time travelers who revisit great historical points to prevent them from changing, thus altering the world as we know it. One such person in this “time team” is Lucy Preston (Abigail Spencer). She is a history professor whose superpower is her vast knowledge of American and World history. She is strong-willed and confident but also vulnerable and brave.

2. Timeless (Lucy Preston)

She knows dates and times, etiquette, events, and what should be appropriate attire. But her knowledge spans much farther to the most important thing about history- the people who shaped it. Understanding the thoughts and emotions of others makes Lucy unique.

She cares about the preservation of history but also the individuals that built the world we embody. Her book smarts and emotional intelligence make her an invaluable team member. Timeless is an endlessly entertaining show that many have yet to discover.

3. Elementary (Sherlock Holmes)

Sherlock Holmes in Elementary — Photo Credit: CBS Broadcasting.

Fans of the classic detective stories of Sherlock Holmes, who enjoy fresh modern interpretations, will love Elementary. However, this take on the character is not your average one. Portrayed by Jonny Lee Miller, Sherlock is a brash, recovering addict who closes himself off from others.

3. Elementary (Sherlock Holmes)

What remains the same is his dazzling intellect and deduction skills. What’s refreshing about this Sherlock is that as bold as his confidence is that no one is smarter than he is, he knows when to ask for assistance. His character grows in his emotional intelligence through his relationship with his partner Watson, in this series played beautifully by Lucy Liu.

4. White Collar (Neal Caffrey)

Neal Caffrey from White Collar — Photo Credit: USA Network.

White Collar is a light but poignant heist/thriller series similar in tone and premise to the film Catch Me if You Can. However, this series portrays an incredibly smart man in many ways. Neal Caffrey (Matt Bomer) is a charming thief who is released from prison when he agrees to assist the FBI on cases of fraud, and forgery, amongst other things. Neal’s intelligence is vast but hidden behind a veneer of charisma.

4. White Collar (Neal Caffrey)

His skills in forgery are impeccable. Most impressive is his ability to copy masterpiece paintings. Not only does this take artistic talent but also knowledge of the painting and the artist’s methods. His skills appear effortless, which makes it all the more captivating to watch.

5. The Big Bang Theory (Sheldon, Leonard, Raj, Howard, Amy, and Bernadette)

Scene from the Big Bang Theory — Photo Credit: Warner Bros. Television.

For twelve seasons, audiences fell in love with the misadventures of a group of nerdy scientists on The Big Bang Theory. Besides being incredibly funny, what I love is that the characters grow. Additionally, while socially awkward, they have supreme intelligence in their fields.

5. The Big Bang Theory (Sheldon, Leonard, Raj, Howard, Amy, and Bernadette)

These include theoretical physics, astrophysics, engineering, neuroscience, and microbiology. Through these genius men and women, The Big Bang Theory brings these complex sciences into our homes with heart and laughter. And it can make us all feel just a bit smarter.

6. Monk (Adrian Monk)

Adrian Monk from Monk — Photo Credit: Mandeville Films.

This drama follows former detective Adrian Monk who consults for the San Francisco Police Department. Though he struggles with obsessive-compulsive disorder, his ability to observe and solve homicides is uncanny. His intuitiveness and intelligence are unparalleled.

6. Monk (Adrian Monk)

You will enjoy every time he utters “he’s the guy” because he sees what others overlook. The show runs for eight seasons, with the finale resolving the series-long mystery about the murder of Monk’s wife, Trudy. These last episodes bring the series to a satisfying and poignant conclusion.

7. Bones (Dr. Temperance “Bones” Brennan)

Dr. Temperance "Bones" Brennan from Bones — Photo Credit: 20th Century Fox Television.

Bones follows a forensic anthropologist and an FBI agent who team up, along with a group of other skilled professionals, to solve crimes. Dr. Brennan lacks social skills but is a brilliant woman who often detects and sees things others do not.

7. Bones (Dr. Temperance “Bones” Brennan)

Her ability to look past the morbid side of her profession gives her a mature intelligence we don’t often see in a female character. Bones is a long-running series with a whopping twelve seasons and 245 episodes, but worth the investment.

8. The X-Files (Agent Dana Scully)

Agent Dana Scully from X-Files — Photo Credit: 20th Century Fox Television.

The X-Files and the character of Dana Scully are landmarks in television history. The show about FBI agents Fox Mulder and Dana Scully, who investigate the paranormal, is an influential masterpiece. But the character of Scully is even more so. She is a doctor and scientist.

8. The X-Files (Agent Dana Scully)

She is a skeptic but open-minded, remains calm under pressure, is endlessly courageous, loving, and above all else, genuinely brilliant. Female characters in her profession had rarely been seen in this light, so much so that she influenced an entire generation of young women to pursue careers in the STEM fields. This influence is known today as “The Scully Effect.”

9. The Mentalist (Patrick Jane)

Patrick Jane from The Mentalist — Photo Credit: CBS Broadcasting.

The Mentalist is a captivating and poignant drama that follows Patrick Jane, a man with keen observational talents that allow him to consult on cases with the CBI and FBI. But throughout the series, the one looming case is the pursuit of the serial killer “Red John,” who murdered Jane’s wife and daughter.

9. The Mentalist (Patrick Jane)

Jane’s intelligence is much like Monk‘s in that he sees the small details and can solve puzzling cases. But as bright as he is, he is not infallible, which makes The Mentalist all the more compelling to watch.

10. Frasier (Dr. Frasier Crane)

Dr. Frasier Crane from Frasier — Photo Credit: Paramount Television.

Psychiatrists represent a unique kind of knowledge. Understanding the human brain to treat mental health is an invaluable profession. Although his brother Dr. Niles Crane is a practicing psychiatrist, Frasier and his brother are equally intelligent.

10. Frasier (Dr. Frasier Crane)

However, they may disagree on that fact. Their competitive nature, Frasier’s radio show where he quickly gives advice and counsel, and their penchant for high-brow arts make the series one the funniest and most brilliantly written on television.

Source: Reddit.

Image Credit: Shutterstock – Denis Makarenko

Who is one actress you can never stand watching, no matter their role? After polling the internet, these were the top-voted actresses that people couldn’t stand watching.

10 Actresses People Despise Watching Regardless of Their Role

These 7 Celebrities are Genuinely Good People

We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble?

These 7 Celebrities are Genuinely Good People

Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.

These 10 Activities Are an Immediate Red Flag

Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.

10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth

We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.

These 10 Terrible Movies Are Still People’s Favorites

About the Author

Marianne Paluso

Source: financequickfix.com

Apache is functioning normally

June 6, 2023 by Brett Tams

Reaching financial independence is like the holy grail of financial goals. After all, the ability to no longer need to work for money to live on is incredibly enticing.

Just imagine what you could do with that newfound freedom!

But the path to financial independence (or FI for short) is usually not glamorous. It requires hard work and dedication to make steady progress towards your ultimate goal of FI. But there are some strategies that can help you achieve your goal of financial independence.

Let’s take a look at these expert tips from people who have actually reached FI, or are seriously dedicated to the path of achieving it. You might find a tip that helps to transform your financial trajectory.

What’s Ahead:

1. Identify your “FI number”

Identify your FI number Financial independence happens once you have enough money saved and invested to never need to work another day in your life. Although you might decide to work at a job you love, there is great freedom in knowing that you’ll never have to work another day in your life.

A big part of the financial independence journey is determining just how much money you’ll actually need to make this dream a reality. That number is your FI number, the goal that you should strive for when you decide to seriously pursue FI.

Although there are a few different schools of thought about how to calculate your FI number, this general rule of thumb is a great place to start:

Your annual expenses x 25 = your FI number

Personally, I am at the beginning of my journey to FIRE (Financial independence/retire early). I’m only a small part of the way to achieving the FI number that I have in mind.

But having mine in mind has helped me stay motivated to save extra diligently. I highly recommend nailing down what your FI number is, too. You might be surprised by how much having a concrete goal in mind keeps you focused on the savings goal — at least that has helped me so far!

2. Pay down debts that stand in your way

Net worth is a big part of achieving financial independence. When you check out your net worth, the debts you have will drag this number down.

With that in mind, David Alyor, recommends paying off your debts as soon as possible. As a lawyer in the final stretches of his financial independence, he says,

“After almost a decade of post-secondary studies, paying off student debts was painful, but I stayed the course and paid as aggressively as I could to get rid of my debts as quickly as possible.”

Alyor says the key to his success with debt repayment was to make a written repayment plan. Additionally, he regularly checked in with his shrinking loan balances to stay motivated along the way. He expands,

“If you’re finding it tough to make as much progress as you’d like, it’s time to look for a side hustle to increase your income earning potential and drop your debt even faster.”

3. Avoid lifestyle inflation

Avoid lifestyle inflation Lifestyle inflation is easy to justify. After all, shouldn’t you take advantage of the best that your paycheck can buy as it increases? If you are trying to achieve financial independence, then saying no to lifestyle inflation is critical.

James Diel, CEO of Textel, achieved FI several years ago. Diel says:

“Saying no to keeping up with the Jones’ helped me stick to a moderate budget that included saving 30% of my monthly income toward retirement and avoiding unnecessary big purchases that get in the way of saving.”

He recommends putting this into practice by:

“making some smart money moves early on in your career and keeping your budget low without severely depriving yourself of the things you want helps you maximize your investment profits, so you can save less now and still end up with an ample nest egg.”

4. Prioritize savings

Saving for a big goal is easier said than done. This is especially true when life throws expenses your way.

But it is possible to boost your savings by making those savings a priority. Or in other words, making it a point to pay yourself first.

Minesh Patel, CEO of the Patel Firm, is so close to FI that he hopes to achieve this big goal within the year. But when he was just starting his journey to FI, he says,

“The most critical way I could save for financial freedom, even as a young graduate with a tight budget, was to pay myself first.”

Paying yourself first sounds like a great idea. But what does it actually look like in practice? For Patel, the journey began by automatically investing some of his earnings into retirement savings every month. With that, he knew that savings weren’t being compromised. Patel says:

“Somehow, being aggressive with savings up-front and seeing less in your checking account during the month makes you feel like you don’t have the money to spend frivolously.”

5. Spend on what matters to you

Spend on what matters to you Kara Metcalf and her husband reached FI in their mid-thirties and left corporate jobs to RV full-time. One of her tips is to spend with purpose.

“Every dollar you spend is a dollar that you’ll never get back.”

She encourages those on the path to FI to consider every purchase as a choice to exchange time being FI in the future so that you can have that item now. She says:

“That perspective helped me adopt a minimalist lifestyle and reduced my consumerism greatly. I really didn’t need another pair of jeans when there was nothing wrong with all of the others in my closet.”

Before you make a purchase, make sure that the item is worth it to you. You’ll have to decide for yourself what is ‘worth it.’ But taking the time to think through your purchases could lead to a decrease in spending.

6. Boost your income

The savings you create must come from the difference between your spending and your investing. Unfortunately, frugality will only get you so far.

At some point, you may need to look at the other side of the equation and boost your income to increase your savings.

Sam Zelinka, the creator of Government Worker FI, is 86% of the way to his FI goal. For his family, increasing their income was a big part of working towards financial independence.

“We’ve primarily raised our income by earning promotions in our traditional job. At the same time, we both have some small side hustles that we have used to help pay off our mortgage more rapidly.”

7. Take care of yourself along the way

Take care of yourself along the way It is easy to let your determination to achieve FI push you beyond your limits. But pushing yourself too hard could lead to premature burnout.

Avner Brodsky achieved financial independence through entrepreneurship. He recommends taking the time to understand your limits and learning how to play within these limits. Brodsky says:

“Understanding your limitations and being okay with admitting weakness will only benefit you in your journey of learning. Taking care of your mental health is essential when working toward FI because if you are struggling, your work will struggle.”

Take whatever actions you need to take care of yourself along the way. Remember, it is absolutely okay to slow down on your journey. Don’t push yourself beyond a healthy limit.

8. Invest for the future

Adam Garcia, the founder of the Stock Dork, is well on his way to financial independence. His tip is to consider a smart investment strategy that goes beyond savings. Garcia says:

“The idea of financial independence can easily turn on its head if you follow it blindly. For most people, the most intuitive way to start is by scrimping and saving as much as they possibly can – some even manage to set aside half of their earnings every month!”

But simply saving won’t supercharge your path to financial independence. Garcia expands:

“If you want an efficient FI strategy, you need to complement your saving efforts with investment. In other words, for every penny you save, it’s good to invest another penny so that it could eventually turn into two pennies.”

For Garcia, this concept is what he calls:

“having your cake and nibbling at it, too. It’s only possible and viable if the cake is growing at a sufficient rate that your nibbling will never cause it to disappear.”

9. Don’t try to sprint to the finish line

Financial independence is a major money goal. In most cases, it will take years (or maybe even decades) to achieve.

Anthony from The Investor Handbook wants to remind us that:

“personal finance is not a sprint, it’s a marathon.”

When you are just getting started, the difference might not be noticeable. But over time, you’ll see real progress.

As you approach your journey to financial independence, Anthony recommends thinking about the journey like working out.

“A single session working on your abs won’t give you a flat stomach, but keep at it for ten years, and you’ll definitely be rocking that six-pack.”

Imagine where you could be in ten years by choosing to make progress towards your FI goals with every paycheck. The commitment to FI could transform your life through small efforts over time.

10. Focus on your own journey

Focus on your own journey Throughout every facet of our lives, it is easy to get caught up in comparisons. That holds true for personal finances, as well.

Kara Metcalf (waiting on link) recommends focusing on your own journey. She says:

“If you compare your life to your friends, family, or coworkers, you’ll usually feel deprived or lacking because you will be saving money rather than going on extravagant vacations, buying a new wardrobe each season, or eating out every day.”

For Kara, she also says that:

“In my 20s, I hated eating my packed lunch every day while my coworkers were going out to lunch. But in my 40s, those friends still get up before the sun rises every day to commute to full-time, oftentimes soul-sucking jobs. I wake up naturally (without an alarm) and spend my days exploring beautiful new places every day.”

Remember that everyone’s journey is different. Make it a priority to focus on your own goals, and stop comparing your life to others.

Summary

The path to financial independence will look different for everyone. As you navigate the journey, tailor your spending patterns to strike a balance between your current needs and your future desires.

What steps are you taking to achieve financial independence? Let us know in the comments!

Apache is functioning normally

June 6, 2023 by Brett Tams

Christina Hall and her husband Josh have a busy summer ahead.

An all-new season of “Christina on the Coast,” the Southern California-based HGTV docuseries that chronicles Christina’s home renovation and design business and family life, is set to debut June 29. In addition to transforming a new slate of clients’ coastal-inspired homes, Christina will also tackle a remodeling project inside the ultra-modern Newport Beach, CA, mansion she purchased in 2022 for $12 million.

“Now that Christina is settled in a new home closer to family and friends, the busy mom of three, author and entrepreneur also will tackle her own kitchen overhaul alongside husband Josh Hall,” according to a press release.

The property, built in 2021, is chock full of luxury touches like floor-to-ceiling windows, an “interstellar” home theater, and a lap pool. And although we have yet to get a good view of the kitchen, it’s hard to believe a home this new—and this deluxe—is worthy of a renovation. But that’s all the more reason to tune in.

Prior to buying in Newport Beach, Christina and Josh, who tied the knot in September 2022, put down roots in a modern farmhouse on 23 acres in Franklin, TN. The southern suburb of Nashville was their home base while filming the first season of “Christina in the Country,” the countrified spin-off that chronicled the HGTV stars expanding their business on the other side of the country.

Just in case you’re keeping track, Christina separated from her second husband, Ant Anstead, in September 2020, and their divorce became final in June. They had been married since December 2018, and stayed together for just under two years.

Christina explained on Instagram that she and Josh had been dating in strict privacy for “several months” prior to her going public with their relationship in July 2021.

“I met Josh when I wasn’t in a state of fear or fight-or-flight … I had taken time off social, hired a spiritual coach and smoked a Bufo toad (which basically reset my brain and kicked out years of anxiety in 15 mins),” Christina said on Instagram. “When we met this past spring, the synchronicities hit us so hard and fast they were impossible to ignore.”

In any case, Christina seems to dig romantic relationships with men in the real estate industry. Her first marriage, to her “Flip or Flop” co-host, Tarek El Moussa, lasted over ten years, and their TV series ended in 2022 after 10 seasons.

Ahead of the sixth season of “Christina on the Coast,” here are a few surprising facts every HGTV fan should know about Josh Hall.

1. He’s a real estate agent in Austin

Hall is a real estate agent at Spyglass Realty, having relocated to Austin, TX, in 2017 “after visiting and falling in love with its beauty,” he explained in his bio. “I just could not leave without buying a home of my own in this little slice of heaven. I was actually born not too far from Austin, at Ft. Hood Army base where my father was stationed.”

Yet while his bio and contact information used to be proudly displayed on Spyglass, all that’s there now is his square-jawed headshot. Could this mean that he may soon be moving into Christina’s gorgeous new Newport Beach home, and getting his real estate license in California? Perhaps. In fact, we wouldn’t be at all surprised if we soon see him in cameos (or more) in “Christina on the Coast.”

2. He’s not a real estate snob

A review of his Realtor.com® profile reveals that he was responsible for 15 home sales in the past two years, representing either the buyer or seller. The market in Austin has been feverish over the past two years, and Hall appears to have specialized in homes in the $200,000 to $900,000 range. Most are traditional, two- to four-bedroom houses, some on sizable lots measuring an acre or more.

Austin TX area home sold by Joshua Hall — Joshua Hall represented the buyer in the sale of this four-bedroom, three-bath home in Spicewood, TX.

(Google Maps)

Austin area home sold by Joshua Hall — This Austin-area home was sold by Hall.

(Google Maps)

No Instagram, no Facebook, no Twitter feed, not even LinkedIn for business purposes! Believe us, we looked. He may be the last remaining real estate agent of his generation who doesn’t at least promote his listings somewhere online.

Christina seems to like it that way, and we can’t blame her.

“The internet and social are great for businesses or staying up to date on fam / friends but also can be toxic and (let’s be real) pretty fake,” she wrote on Instagram. “Josh doesn’t have social media.”

4. He was formerly a cop—for all the right reasons

Hall’s bio also reveals this: “While living in southern California, I realized my passion was to help others and I became a police officer at the age of 21. Before my 16 year career was cut short due to injuries sustained in the line of duty and ultimately leading to an early retirement, I took great pride in helping people with everyday difficulties and putting them at ease.”

It seems he’ll once again be protecting Southern California properties and citizens, at least in a more personal way, as his future wife and three stepchildren all call Orange County home.

5. He loves dogs

In Hall’s spare time, he says, “You can find me exploring with my two dogs, floating on one of Austin’s many bodies of water or flying to rescue puppers from kill shelters.” Talk about a noble cause!

Since Christina already has two pups of her own, a Rottweiler named Biggie and a French bulldog named Cash, her Newport Beach home is already pet-friendly. But the question is, will Hall and his pack all fit inside their home—and on the family bed?

6. His sisters are reality TV–famous

Something else Hall and Christina have in common is reality TV. In fact, Hall’s younger sisters are deeply steeped in it. His sister Stacie Hall Adams appeared regularly on “The Hills” as Stacie the bartender. His sister Jessica was a former Playboy model, hosted the MTV reality series “Burned, and made regular appearances on “Kendra” and “Kendra on Top,” as the close friend of fellow Playboy star Kendra Wilkinson.

7. He has an uncanny link to Tarek El Moussa’s fiancee, Heather Rae Young

Hall’s sister Jessica now hosts the podcast “Flashbacks” solo, but she formerly hosted it with bestie Heather Rae Young of “Selling Sunset” fame. Yes, that Heather Rae Young, the one who’s engaged to El Moussa, Christina’s first husband. Hollywood is such a small town!

8. He’s inked to the brink

Oh, the tales Hall’s tattoos could tell, like what’s up with that hatted man adjacent to his left pec, and why the spiderweb on his left knee? He must have his reasons for them all, and he could spend countless hours in the telling.

9. He’s already close to Christina’s kids

He appears to already be fully accepted by Christina’s kids, at least her two oldest, Taylor and Brayden. A recent Instagram post revealed that the four of them spent a quick, kid-friendly weekend in Las Vegas: “24 hours in Las Vegas with the big kids—wave pool, aquarium, steak dinner repeat ❤️🎰.” Cheers to that!

10. Christina has his back

Don’t you dare be all judgy about Christina’ third engagement on social media, or Christina will come out swinging.

She’s posted several Instagram tirades, including this one: “People are way too concerned about other people’s lives. They spend so much time judging others to avoid working on their own sh*t … Life is short. Do what you love with the ones you love. For me, that’s Josh, my kids and a few close friends and co-workers. ✌🏼”

Source: realtor.com

Overview of the best peer-to-peer lending sites

Prosper: Best for those with high credit scores

Borrowing with Prosper

Investing with Prosper

BlockFi: Best for crypto-backed loans

Borrowing with BlockFi

Investing with BlockFi

Upstart: Best for young people

Borrowing with Upstart

Investing with Upstart

SoLo Funds: Best for a payday loan alternative

Borrowing with SoLo Funds

Investing with SoLo Funds

FundingCircle: Best for small businesses

Borrowing with FundingCircle

Investing with FundingCircle

Kiva: Best for first-time borrowers

Borrowing with Kiva

Investing with Kiva

What is peer-to-peer lending?

How does peer-to-peer lending work?

Is peer-to-peer lending safe?

Pros & cons of P2P lending for investors

Pros

Cons

Pros & cons of P2P lending for borrowers

Pros

Cons

Summary

Read more:

Life Insurance Underwriting for Congestive Heart Failure

Life Insurance Quotes with Congestive Heart Failure

Other Considerations as You are Applying for Life Insurance

Congestive Heart Failure Life Insurance Case Studies

15 Best Banks in Florida

1. Huntington Bank

2. Chime

3. Revolut

4. Ally Bank

5. Regions Bank

6. Bank of America

7. Chase Bank

8. Fifth Third Bank

9. TIAA Bank

10. Capital One

11. Raymond James Bank

12. PNC Bank

13. Discover Bank

14. Wells Fargo

15. My eBanc

​​Types of Banks in Florida

National Banks

Regional Banks

Community Banks

Online Banks

Bottom Line

Frequently Asked Questions

What are the largest banks in Florida?

Should I choose an online bank?

What is the best bank for in person service?

How do I open a bank account in Florida?

Do Florida banks charge fees?

What is the best local bank in Florida?

What is the difference between a bank and a credit union?

1. “You can (and should) get rich quick”

The implication

The reality

2. “Day trading is easier than you think”

The implication

The reality

3. “Rich people look rich”

The implication

The reality

4. “Live on a shoestring budget”

The implication

The reality

5. “Cryptocurrency will make you rich”

The implication

The reality

6. “Just copy the investments of rich people”

Types of Banks in Florida