Looking To Buy A House? Do This First

 

By: American Benefits Alliance

While everybody knows purchases are made on a budget, there are many additional factors to consider when buying a house. These things to look out for when buying a house can help you in the long-run because buying a house is not a small decision.

Many home buyers make small mistakes that cost them a lot in the future. For instance, new buyers start refining their criteria as they see different options. Ultimately your home criteria should depend on your personal preferences. In this blog post, we will share 5 things to watch out for when buying a house.  

 

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How To Get A Lower Interest Rate On Your Loan

 

By: American Benefits Alliance

 

Most companies that offer personal loans make an authentic measurement of the risk involved in lending you money. They do so by analyzing your credit information. From your income to all the debts you have taken, everything is assessed before the decision is made to loan you money.

However, there are several ways to lower interest rate on loan. In this blogpost, we will discuss the top 5 ways to get a personal loan with low interest rate.  

 

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Moving? Here Are 5 Tips To Help You Save

 

By: American Benefits Alliance

 

Not everyone is smart enough to plan finances when moving. Most people simply pack their bags and move to their new home. However, this is not an ideal practice. To manage your finances, you need to plan your home moving. This will keep your money in check, and if you follow these tips, you might make a profit.  

 

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Black Friday Is Early - What Are The Deals?

 

By: American Benefits Alliance

 

Black Friday deals are one of the year’s most anticipated shopping events. You can thank the pandemic for moving the holiday sales till December. With Black Friday coming on November 27, you can plan your purchases in advance. 

 

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Tips To Build A Good Business Plan

 

By: American Benefits Alliance

 

A plan today is the reality of tomorrow. When you start getting serious about launching your business, the first thing you need to do is make a business plan. Business plans serve several key functions that make them highly important for your business.
 

A Business plan is both an analytical and problem-solving tool. It includes your strategies, mission, vision, policies, and how you plan to make this plan into a reality. Writing a good business plan does not require good business. It requires a great vision. So here are 4 tips to prepare a good business plan.  

 

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FICO vs Credit Score - What's The Difference?

 

By: American Benefits Alliance

 

FICO scores have been used to determine a person’s credit risk. Today, 90% of the top lending institutes check FICO scores to determine whether the person is fit for credit approval. Chances are when you apply for a bank loan, mortgage, or car financing, your bank would inspect your FICO report.
In general, the FICO score is an algorithm that decides whether you can return the borrowed amount on time. This algorithm makes use of your credit report and uses statistical analysis to create your pattern of credit payments.

Ever since FICO scores were introduced 25 years ago, people have been confused. The new generation is mostly unaware of what matters most. Is it the credit card or FICO score? To answer this, we have drafted this blog to help you understand the difference between credit score and FICO score and how to improve them.  

 

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5 Ways To Half Your Electric Bill

 

By: American Benefits Alliance

 

Many households in the USA suffer from high electricity bills. It is the second-largest expense after a mortgage. In 2018, people spent $1400 per year on electricity. And with the 2.3% rise in the electricity cost per year, we could expect to pay more than $1500 per year in the future. 

For many, cutting down on electricity can be a huge relief. You can reduce your expense by 25%, which means an added $350 in your pocket. Here are 5 ways to reduce electricity bills and invest the extra saving elsewhere.   

 

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Paying Over Time - Is It Losing You Money?

 

By: American Benefits Alliance

 

Holiday seasons slump the sales of many retailers as the purchasing power of people decreases. As people buy fewer expensive gifts, sales do not meet the expectation. In response to this, retails have gone all out, including the revival of their layaway plans.
 
Layaway plans are promoted to boost sales and make the purchase easier for customers. It involves paying over time through small payment plans. Though it might seem attractive, there are a few cons to this. In general, the idea is great as people can slowly pay back their due amount. However, it can become frustrating in the long run, and you might be losing your money.
 

Here are 4 reasons why paying over time costs you more than the product's actual price. 

 

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3 Ways To Keep Your Finances Organized

 

By: American Benefits Alliance

 

People who know how to organize money are the ones to make headway towards their financial goals. It is also evident that money management is a necessary skill to survive in today’s inflating economy. So how do you control your finances?

Fortunately, organizing your finances is not as difficult a sit sounds. All you need is a budgeting plan to take control of your expenditure. Mastering this art can help you maneuver through the twist and turns of life, all the while maintaining reasonable expenses before your next payday. So, here are our 3 proven ways that will teach you how to organize finances and regain control over your financial life. 

 

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Top 3 Ways To Make $100 From Your Phone

 

By: American Benefits Alliance

 

We use our phones all day every day; they’re almost integral to everything we do now. Time spent on phones should be utilized. The best way todo that is to make money through your phone.
It sure can be a long process, but getting paid for using your phone sounds like an insane deal. You can earn a decent amount in a short period of time, just never stop thinking of the possibility that you can.
We have listed the top 3 ways you can make $100 from your phone to kickstart your journey to earn online.  

 

Read More HERE

 

 

How To Save When You Shop

 

By: American Benefits Alliance

 

   
Some call shopping a necessary evil, and maybe it is so, for them. Looking at things in such a manner can make you feel restricted and can take the excitement out of the small things in life that excite you.
 
With that in mind, we all know shopping can be detrimental to your budget. So what is the middle ground you have to reach to have an enjoyable experience, not worry a lot about the finances and get everything necessary?
We have listed a few ways you can save money when you shop the next time. 

 

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4 Ways To Save Even When Money Is Tight

 

By: American Benefits Alliance

 

When you are already tight on your budget, it is not easy to find supplementary ways to save money. But it is always crucial to set aside a little amount for the future or any foreseen occurrence, regardless of how much income you are presently bringing in.
 
So, if you're wondering how to save money while living on a tight budget, here are four ways to help you out. 

 

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3 Tips To get interest-Free loans

 

By: American Benefits Alliance

 

Sometimes you face a financial crisis or any emergency that requires a fast inflow of cash. If you’ve been unable to save enough, it means you’re likely to need a loan. Loans have a significant interest in them, and as someone who might not be able to pay this, you will have to find alternatives.
 
Interest-free loans sound like an impossible dream but surprisingly you can find loopholes to a loan that might just cost you 0% interest. The key here is to keep an eye out for places or plans that require minimum or no interest. We have listed down three ways that you can get interest-free loans when you’re in a bind.   

 

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Best Times of The Year To Shop And Save

Best Times Of The Year To Shop And Save

 

By: American Benefits Alliance

Who doesn’t like saving and making smart purchases? Getting the best deals for things you’ve always wanted is perhaps one of the most satisfying things you, as a consumer, can experience. That means strategizing. You have to see when the season sales begin, what discounts are specific to certain months and how you can make the most of them. 

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How You Can Drastically Save On Your Hospital Bills

How You Can Drastically Save On Your Hospital Bills

 

By: American Benefits Alliance

Medical bills can be a source of financial difficulties for people and are known to be one of the major reasons for bankruptcy in the US.
However, relaxed insurance plans and improved government legislation has helped drop this financial burden. As an individual looking to save on your hospital bills here are some things you can personally change in your lifestyle to avoid heavy hospital debt. 

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4 Tips for Making Wiser Spending Decisions.

4 Tips For Making Wiser Spending Decisions

 

By: American Benefits Alliance

Around 73% of Americans are expected to die in debt. Do you ever wonder what you can do to safeguard yourself from being in that 73%? For some people, financial struggles are due to a meager income. While for others, the difficulty surfaces from spending more than what they earn or not taking wiser spending decisions 

Read more HERE

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Ways to save on-the-go?