Total consumer credit in America spiked by $23.7 billion in November last year, exceeding market expectations by about 2.6 percent. These numbers reflect the country's thriving credit industry. Unfortunately, the figures are not as positive on the other side. According to credit bureau Experian's 2023 US Identity and Fraud Report, almost 64 percent of consumers don't feel safe against fraud risk.  One of the core strategies for mitigating credit fraud risk is credit monitoring. Many reputable companies provide this service for free, but what is free credit monitoring exactly? When they sa ..read more

Investing with borrowed money, be it through loans or credit cards, is not a new concept. Many investment and finance experts warn that this strategy can harm the average individual investor who lacks experience and caution.  At the same time, leveraging debts to capitalize on opportunities can increase your potential returns. It gives you access to more money, allowing you to invest more than your income flow or current savings.  Borrowing to invest can make sense in some regards. It's often essential in certain areas, such as buying real estate or launching a business. If done stra ..read more

Taking out debts is a significant financial burden to many borrowers today. But still, do you know why you shouldn't pay off your loans early and miss the opportunities to save and even make money from your existing loans? This may surprise many, but completing debt payments ahead of their scheduled time is one of the many crucial mistakes many borrowers make after taking one. While the idea of being debt-free early is enticing, there are reasons why you should avoid paying off your financial obligations in advance, even if you can afford it.  This guide will explore why you might want to ..read more

I need money now, what should I do? We all face times when we need quick cash! Whether you want to cover an unexpected expense or get through a financial shortfall, these times do come. While cash emergencies can be quite disorienting, they shouldn't overly worry you. Why? When you need cash fast, there are numerous options for getting your hands on funds. From taking instant loans to completing easy tasks that pay instantly, there is always a way. Luckily, that’s why we are here. Today, we’ll outline some of the fastest and most reliable ways to get money when you need it urgently. Apps that ..read more

If you apply for a credit card do you have to accept it? Some of us have found ourselves asking this question. Today, we get a comprehensive answer to this pertinent question. Sometimes, you apply for a credit card and get approved but have a change of heart. Also, you may have accidentally applied for a credit card, and it got approved. This leaves many people with this question – if you apply for a credit card do you have to accept it? No, you don't have to! If your financial goals change or you aren’t sure about accepting the card, you don’t have to worry much. You are not obligated to ..read more

Do you want to learn how to add money to Venmo? This piece is just for you. Read on to discover more about the steps, options, and limits of transferring money to Venmo. Venmo is undoubtedly among the most popular money transfer apps. And if you have used it, you must have at one point faced this predicament – how to add money to Venmo. Usually, the app makes it easier for users to send money to friends, settle bills, and even make purchases. The app is designed to use the money in the Venmo account, if funded, or automatically deduct from the source account. This means that you must link the ..read more

Is Gopuff legit? Is it an ideal side hustle for people looking to make some extra cash? Read on to discover all there is to know about Gopuff. Make an informed decision! Delivery gigs are some of the easiest ways to earn extra cash during your free time. They also offer convenience for customers who do not have time to go shopping themselves or want to order food from home. Gopuff is one of the many delivery apps that bring convenience for customers and cash for drivers. However, with so many delivery apps popping up every now and then, the question about the legitimacy of such apps always com ..read more

Experts predict a 37.3 percent compound annual growth rate (CAGR) for the global artificial intelligence (AI) market within the next seven years. The golden era of AI has undoubtedly arrived, benefiting industries across the board, including side hustling. This development has not only changed the game but also created new avenues for individuals seeking to augment their income with unprecedented efficiency. AI has transcended the realm of science fiction, becoming a readily accessible tool for creatives, problem-solvers, entrepreneurs, and anyone seeking to capitalize on this digital shift an ..read more

Almost everyone shops at Walmart. But does Walmart take Apple Pay, one of the world's most popular contactless payment solutions? Read on to find out. With over 4,700 stores countrywide, Walmart is undoubtedly among the largest retail stores in the US. It deals with almost every household item, from groceries and food to electronics, making it a convenient one-stop shop for many. Even better, Walmart's consumer-friendly prices make it a favorite for many shoppers. Now, when it comes to payment methods for your purchases, does Walmart take Apple Pay? Well, despite Apple Pay being one of the mos ..read more

Is Branded Surveys legit? Is it among the paid survey sites you can use to make extra money? Read on to unravel these answers and more. Sharing your opinion is one of the easiest ways to make money online. But how? Various companies and brands are willing to pay handsomely to hear what you have to say about their products and services. In that wake, numerous platforms have come up to connect businesses with consumers. Through the platforms, consumers get paid to answer simple questions, and businesses get highly-valued feedback. Branded Surveys is one such survey platform. It enables users to ..read more