All You Need to Know About the Top Cash Back Credit Cards For 2016

One cannot survive just on liquid cash; the credit card has become an important part of our lives. You can use the cash back feature of credit cards to save money on everyday purchases. Unlike other perks offered by credit cards, such as payback points and flyer miles, cash back offers are simpler to understand and more appealing, hence preferred by most customers. Mentioned below are the top 5 cash back credit card offers in the year 2016. So compare the options given below and decide for yourselves as to which card best meets your requirement!

Chase Freedom

It is the most profitable choice because it offers you a hefty bonus of $200 on spending a minimum amount of $500 the first three months. And that’s not all! You don’t have to pay any interest on the items purchased and you also need not pay any annual fees as well. It also offers 1% cash back on all everyday items. Add to that list select 5% cash back opportunities all year round and you’ve got yourself a winner!

Capital One Quick Silver

Here you get an attractive bonus of $100 on purchasing items worth $500, valid for only the first three months. The best part about the Capital One Quick Silver card is the impressive 1.5% cash back that you get on every purchase. You need not pay any interest on the items purchased and other balance transfers for the first year.


If you are a loyal customer of Discover, then there’s some good news for you! If you have a Discover IT card you get the advantage of not paying any interest on your purchases as well as 1% cash back on all purchases. It has also launched a new promotional offer in which the customers get a FICO score free of charge with their monthly statement. Excited to know more? Check out this guide, and get a clearer picture.

Citi Double Cash

A favourite among the customers, the Citi Double Cash card was recently launched by Citigroup in September and has made its way quickly among the top cash back credit cards of 2016. The best part about this card is the fact that it doubles up the cash back when you pay for the purchase. Suppose you buy a product and get 1% cash back on your purchase, on making the payment you will again receive a cashback of 1%. Hence the amount you saved gets doubled!

Chase Slate

The Chase Slate credit card holders don’t have to pay any interest on their purchase for the first 15 months. They need not pay the annual fees as well. It is also the only balance transfer credit card that does not charge a transfer fee at zero percent. Recommended by many customers for its excellent customer services, the Chase Slate is one strong competitor and an indispensable part of the top cash credit card list.

A Short-Term Loan Means You Can Pay All Of Your Bills On Time

Short-term loans are quickly becoming the go-to solution for people who are struggling with financial hardships. Nearly 15 million Americans choose these non-traditional loans each year. There are plenty of reasons why these are rapidly replacing bank issued loans; one of the primary reasons being the imbalance between income and expenses continues to worsen. Short-term loans can quickly help those with bad credit face unexpected financial emergencies or shortfalls in their budget.

Financial advise

If you’re struggling to cope with financial difficulties, you should join the other 15 million Americans and secure your own short-term loan; however, you must be careful! Just as the number of people who need these loans are on the rise so is the number of fraudulent companies offering these loans. You can spot these corrupt lending companies by the unclear rates, terms, and conditions they publish on their website . By using these vague or overly complicated terms and conditions, they’re hoping to trap you in a loan that you have no means of paying back. And when you cannot repay on the scheduled day, they’ll slap you with inflated interest rates and fees on top of a loan that’ll push the repayment even further outside of your means.

That’s why it’s so important to deal with only those companies that communicate in clear and transparent language. They should also have helpful representatives available to explain any term or condition you’re unsure about just to make sure you understand your loan completely. Typically the companies that offer responsible loans and helpful customer service are state licensed direct online lenders.

When a direct online lender is state licensed, it means they have been sanctioned by your state to issue loans and their rates and fees are in accordance with the law. Often this means their loans are limited in size, anywhere from $200 to $1,000. This restriction is there for a reason;it provides just enough funds for you to make payments towards bills and other responsibilities without providing so much that you can’t reasonably repay it. Small dollar loans should be used for unexpected expenses or short-term goals with due dates that coincide with your pay schedule. If you can’t repay your loan within the terms offered, then you shouldn’t accept the loan.

Of course, not everyone who needs a loan can repay it by their next paycheck. That’s why many reputable direct online lenders offer flexible terms. A direct online lender like MoneyKey creates a reasonable payment schedule that can span over several pay periods should you not be able to repay your loan in one lump sum. Together, you can agree upon a plan that works with your finances, so you can get the loan you want without incurring late fees or interest. For more information, check out As a licensed lender in nine states, they offer flexible short-term loan options for millions of Americans.

When you contact a direct online lender that you can trust, the stress of securing a short-term loan disappears. All you’re left with is a responsible loan that covers all of your financial needs – without putting you deeper into debt. So join so many of your fellow Americans, and find your state licensed direct online lender.


It is more than likely you need to change the way you think about debt

Owing money for longer periods of time can result in many mental and emotional consequences. Money worries can lead to anxiety and depression, but these can also be manifested in various different forms that go from anti-social behavior and absenteeism to panic-attacks. If people follow this route they can easily became estranged from their friends and family, which is definitely not going to help them during these hard times. Some of them also start avoid paying off their debt bills which can result in conflicts with their creditors and much more severe financial consequences.

It’s Important to Recognize the Problem 

Anyone who owes money for longer periods of time has problems with stress and the only thing to solve this situation is to recognize there’s a problem and start thinking about the solution. This should be done by writing a list of debtor’s outgoings and making an elaborate spending plan for each week until the debt is finally paid off.

What’s Necessary and What’s Not

Every expenditure should be conscious and meaningful decision. People are usually getting things they are expecting, and not the things they wish for. Some people think that taking a credit card is the only way they can enjoy their life, and they’re definitely going to take that credit card and buy as much as possible with it. On the other hand if they put all their expenses on paper, try to work out some other enjoyable things that doesn’t include shopping or spending money and realize they can have a good time without going further into debt, they won’t take that card and they’ll stay debt free.


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Solving the Problem

This is probably the hardest part, since at the moment when people realize their wrongdoings, they’re usually owing a lot of money to different creditors . There’s only one good way people can pay off their debts and it requires severe budget cutting. Comprehending things we mentioned in the previous paragraph will help people realize what are their sole priorities, and after making this list, they’ll be able to cut all the unnecessary costs. Here are some of the examples:

  • Moving to less-expensive neighborhood– gentrification is at its full swing at the moment, and a lot of less-expensive neighborhoods are becoming adjusted to American middle-class needs.
  • Traveling independently– this is another world trend, and it gives people chance to plan their own trips and make them more authentic, while saving their money at the same time.
  • Cutting out all the luxuries– luxury living is not popular for some time now, and for people who are in debt, there’s no need for a car with Alcantra leather upholstery, house pool, 4K TV, or many other status symbols.

Depending on the kind of debt people are paying off, they might need to cut more costs. This is especially important for paying off credit cards that is one of the trickiest kinds of debt, that requires more elaborate planing, but today there are more options to choose from than before.

Staying on the Right Track

After the debt is paid off people need to stay on the right track and realize that they can be happy with whatever amount of money they got. They should decide what’s necessary and what’s not in their future life and they should respect the conclusions that they took out of the debt quest and repeat them every time they fell into temptation to take another loan.

Short Bio: Daniel Lenson

After almost a decade spent working at various assistant positions, Daniel believes he has accumulated enough experience and knowledge to start his own small business partnering with close friends. His family had it’s fair share of debt management experience over the years. When not researching about business matters, he likes to read contemporary fantasy novels.

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Easy and Instant Cash Loan – Get Cash Now

Generally, people move towards to banks or union credits to reform their financial troubles through loans but get irritated due to prolonged documentation and time-overwhelming approval process. In this situation, they think, are there such financial institutions they can provide the loan without any frustration and minimum documentation. In this meantime, mostly people get trapped in nastiest circumstance due to finding an unauthorized lender. In such circumstance any individual may easily get puzzled and can lose his or her reliance in loan service provider companies, banks and financial institutions. To maintain faith and assurance various lenders are now providing borrowers an immense services with quick cash advance loans. These services are a great way to acquire desired loan without wasting time on preparing loan papers and approval.

Good reasons to go for emergency quick cash loans are easiness since it doesn’t trouble the borrower for collecting loan approval documents and arrangement of security. As well as, you don’t need to borrow cash from your friends and family members. Other financial institutions provide the loan; usually wait for two weeks to get a sanction but applying for quick cash loan facility, you will realize that this is your money and you are withdrawing your own money from bank.

Who have difficult credit history can also acquire this loan without a credit background check so, if you are facing financial problem and looking for an effortless loan without credit back ground check than you should go for quick cash loan for resolving the problem. You don’t need to worry about your bad debts. The only things matter for applying these type of loans have some high fees but this is not worth bearing in mind among so many other advantages. But, anyone can solve this type of problem by finding for a lender with minimum fees instant loan facility. There are many online lenders in market that provide such facility; is the one of them.

For searching a reliable and reasonable lender individual require to do compare market analysis that what are the most realistic fee and interest rate on such loans and which lender’s terms and conditions suit to you. Sure you should go for this quick cash loan but always make sure that you pay back on your time deadlines.

How Financial Advisers Can Market Your Business – Read for Some Key Strategies

Can you imagine running a successful financial observe that continuous attracts high value business clients? Marketing is a necessary step for building a healthy business and interacting with new clients. Indeed, marketing is the key to establish a business you truly like serving – with customers who are enthuse to working with your company, too. Marketing and its related functions like social networking, branding, email marketing, newsletters and public relations etc. are more simple and lucrative comparison to cold calling – an action you will have to at least as you emerge as a skilled and professional in your financial field. So how your financial adviser can market your business smartly? Here are following key activities to make simpler and get pleasure your marketing efforts.

  1. Create Niche Website: – For building your online presence of your business, you should maintain a professional and authorized website. Your business website represents your brand and for increasing your brand value in market, website should include all function areas of your business. All your clients can register their and can easily monitor all the account and business transitions. Website should be mobile responsive.
  2. Social Media: – Social networking websites like Twitter, Facebook, and LinkedIn provide the platform to connect new customers and new ways to get clients. These sites can give your business to high level over your market competitors.
  3. Seminars and Events: – Organize the weekly or monthly private events and corporate programs. In these seminars address your clients and about requirements of their, ask them to subscribe your newsletters and business articles. This will help to grow financial lead in market and implicit your clients. This is the new way of marketing; this is also called the ghost marketing. What is your company’s market plan? What do you know about consumer research and new project outline? All these activities can offer you professional financial adviser to your company.
  4. Local media relation and advertising:Focus on your local market and create local medial relation to prosper business. You can increase your search visibility in local market by advertising and press releases.
  5. Market and Monitoring: – Constant analyzing and monitoring of your marketing strategies will help to find out if your efforts are working or not, or you need to change them.

There are many key activities but these key strategies really convert to your efforts in your goal. Your business goal can be achieve by hiring the best financial adviser. If you are looking for such services, then financial services Salisbury is the best option.

Find the Best Credit Unions Near You – Good Alternative to Banks

Credit unions work as a financial cooperative that is owned by a group of people with a common terms and rules. Group members operate the credit unions (CU) to provide the loans at competitive rates and many other financial services to desired people. These CU board members (depositors) collect their assets to provide credit to people and they perform as volunteers in credit unions. They don’t work like other banks or financial companies, because they are not controlled by outside stock holders.

Credit unions services are a lucrative alternative to banks while offering the mostly same services. Join as a credit union member; you can take saving account and checking account services. They also grant the deposit receipt or certificate and get a loan. Many credit unions have the retirement investment plans for your future or take home loan when you want to purchase your dream home.

How to Find a Credit Union Near You

You can find easily a credit union, if you are connected to people of nearby you. Mostly CUs don’t published through advertise too much for their business (but this trend is changing in some areas nowadays). Here are some helpful tips for approach top credit unions.
1. If you are a social person and attend social functions or religious services, ask the people or administrative staff, they are aware such credit unions or such services affiliated with organization.
2. You should visit local chamber of commerce office; they can refer such service that fits your significance.
3. You can also contact National Credit Union Administration (NCUA) office; they can suggest you near your related financial services. Official website is
4. Discuss to your friends or colleague regarding this, they can help you find out CU.

You can find out many credit unions but you have to decide which one is best and suitable for you. For this, simply you have to compare their interest rates of saving account and checking account, offering products and quotations. In this way, you can observe the advantage and disadvantage all of them.

How to Select Better Health Insurance Plan for Better Financial Resources

The selection of a best health insurance plan is essential. Today, staying in the hospital or suffered from illness, even for a few days can wipe out your bank account and your savings & loans resources. That’s why you should think about price, services and the sum that your health needs during the choice of insurance. Examine to assess the various plans that are available and how they plan to meet the needs of your family and the money options, the best measure of your choice at finance & insurance information. This article describes some important information about this topic.

First, connect to the health insurance witch offered by your employer. It is the cheapest option for you is available. You can easily to get different options in this.

Now you can analyze your needs for the foreseeable future, taking into account the current use of health care and health expenses for the future. You said a lot of questions about your coverage. Then choose a plan according to your needs.

The next thing you need to do is to compare the benefits and importance of some elements, such as Co – payments, monthly premiums and co – insurance premiums, deductibles, preventive vaccinations and physical examinations. Some of the services that can inspire the care, coverage of mental health care, fertility and long – long-term care.

You must ensure that the benefits of the existing conditions are limited, or if you have to wait a while ‘before being fully insured.

It is necessary to consider whether there is a fair appeal process available if the company has refused treatment, and if these actions are properly assessed by an independent insurance company.

Select an appropriate plan that suits your needs and priorities of research online. You need to go through all the topics and issues Health Plan Agent as soon as possible.

You need several years of research – health insurance. The rising cost of health care money to demolish your savings if you are disabled for an extended period. Once you hit your 40 years, he has a plan for health insurance coverage.

These are some of the important finance and insurance ways and notes on the economic system of health insurance. You must choose the treatment options. The Internet is a place for you to find such large company insurance. You need to visit a qualified company or agent and look at some of the main quotations.

Robert W. Eldridge is an insurance and financial advisor. He mostly writes on US based personal financial services companies, which specialises in cash and loan services.

Critical Illness Cover – Why Should You Need this Policy

It is very difficult to facing with a serious illness for the patient and his family to fulfill the obligation to take care of him. This is something that no one wants, but the possibility that needs to be considered and prepared for the start of it in advance. The insurance for critical illness is the best way to prepare for these situations.

Life insurance in the UK before that covers at least seven conditions that any policy can. Relevant authorities are also entitled to an explanation of conditions they believe to make in the interests of individuals. In critical illness policy, it covers a wide range of diseases. This is a further advantage that comes with critical illness protection. The fonts are varied and cover diseases such as kidney failure, cancer, burns, organ transplant, coma and heart attacks. Other diseases are also covered by the policy include stroke, paralysis, heart surgery, among many others. The disease policy but covered may vary from provider to provider, it is important to all options before deciding on the best weigh.

The new rules of critical illness cover provide that certain conditions are not covered by life insurance. These include cancers of the skin, the non-invasive prostate cancers are not advanced, and certain conditions of a heart attack. When it comes to the insurance policyholder claims for heart disease need to demonstrate that it to create actual physical pain in the chest, the doctors can check after the test. Moreover, such as angina pectoris is not covered by the new rules. When it comes to the appropriate age, if you are eligible for life insurance, they range in age from 17-70 years.

You must cover all costs by insurance. Policies such as health, Rose Revolution, as transplant surgery are not covered. However in critical illness cover, you can use this type of reporting. They also have other costs of care, such as an income for the family, mortgage and of course all the medical expenses. It is certainly a great policy to save you even in the most difficult moments.

There are also tax advantages to enjoy. This is because the plans are tax-free legally. This is what is reasonable and affordable prices and you will see that you the rest you need, even if a family member is sick with a disease that is serious, and will receive any financial support that you need during the period. However, you need the policy best suited to the kinds of needs that you have and can face the future.

Brief Understanding of Personal loans, Home Equity Loans and HELOCS

Buying a house is often a big decision for most people. In these modern times, you can hardly come across people who are able to buy a house using only their own savings. Hence most people would be opting for some sort of finance options when they decide to purchase a house either for staying in it or even for the investment purpose. Therefore, in such a situation it becomes quite important that you are able to weigh your options cleverly to make the right decision. There are many types of loans, some that are associated with property, and one must have an idea about them, so that one understands the jargon used by your lenders and the brokers.

Home Equity Loans:

Home Equity loans are more or less like mortgage wherein the consumer gets a huge amount of money and begins paying the interest and principal installment right away. The amount of the loan will depend on how much equity you have in your house after mortgage payments and appreciation. As compared to HELOCs and loans for people with bad credit offer lower rates of interest which are fixed. The only drawback being that the borrower has to pay interest on the whole amount right away. Home equity loans are best suited for massive, unexpected expenses or investments like home renovations. Oftentimes people will need to repair something big like their roof (in which a company like Newport News roofing could help), but don’t have the money for it. This is when you’d take a home equity loan out.


HELOC (Home Equity Line Of Credit) are loans that draw on the equity that you have in your home. It is just like credit cards or savings account. You have to pay interest on the amount borrowed from the term of the line of credit. These kinds of loans are suitable for small expenditures like college tuitions or house repairing but are not meant for large amount of funds. The best thing about these loans is that you pay interest for only what you borrow. They are easier and faster to get than Home equity loans. It might be that the rate of interest is higher than that of home equity loans as these rates are adjustable, in such a case look for low and permanent interest rates.

Personal loans:

Personal loans are basically loans given by bank to purchase a commodity and that commodity like car or house is used as a security for repayment by the bank, these loans are comparatively smaller and are suited for single small investments like buying cars but not for large investments like house renovation. The interest on loans with no credit check is higher than the other two but the application is simpler as well.

Therefore what kind of loan is right for you depend upon what you need it for and how much interest you can pay, however it is always suggested to go for low rates of interest, they can save considerable money over the span of the loan. It is advisable that you can check out the deals online as this will save you the trouble of running around and save your time too, while you get the best rates from the comfort of your home.

Hi, I’m Sheryl Mendoza, a finance expert writer. My passion is covering to topics related personal finance, debt management and business news. Visit my site to read more

Top Medical Insurance Service Providers

There are many health insurance companies in United State of America that carries health insurance plan to individual or in group. But still, it is depressing to see that not every person is capable to completely protect themselves and their children and family members from medical coverage services due to high cost of health insurance coverage. It is nice to them those who has benefits to be part of health insurance plan. Have you ever thought about health insurance companies which is best, what they provide to customers and what are their major plans?

health insurance coverage

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Health care is a slightly active but rather controversial subject. However, some companies are shown up among the other companies. These Health insurance companies stand out for many factors, these companies are know for various reasons on the list of top health care providers, because they identify the need of customer and according their offering services and plans. These companies really provide their services to millions of consumers on affordable cost whatever they commit in their term and conditions. Here are mention short description about top health insurance companies what they dominate the best health plan to nation and world wide consumers.

Aetna Health Insurance – Aetna is the most prominent health insurance company in United State of America that serves the insurance services in many fields as medical insurance, disability insurance, and life insurance, pharmaceutical, behavioral health insurance etc. and this also offers the special kind of insurance services for students and pets. These plans are available in group or individually and long term and short targeted. Aetna has a large network of employees and more than 458,000 doctors and 4,681 hospitals contribute in his service. Company offers flexible health coverage programs on affordable price in all 50 states.

Blue Cross Blue Shield Health Insurance – This Company offers the successfully insurance services in market. Blue Cross Blue Shield works as association that includes many branches out into numerous smaller companies and organizations. BCBSA works in umbrella format that includes 39 separate smaller companies. All over organizations provide health care services and products to more than 100 million Americans. Blue Cross Blue Shield offers the services all states of USA. This health coverage is including state government employees and federal government.

Humana Health Insurance – Humana is the also leading company in health insurance sector in USA. Humana provides the group health insurance, individual insurance, Medicare insurance including dental insurance plan etc. human is know for its simple and targeted plan dedicated to consumers and have many quality and affordable health insurance options.