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What Are Chase Bank’s Hours During COVID-19?

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chase bank hours

In the past few years, Chase banking hours have gotten a little confusing. Did you know that Chase Bank offers more than 5,100 branches and 16,000 ATMs nationwide? JPMorgan Chase & Co. has 250,355 employees and operates in more than 100 countries.

JPMorgan Chase counts 51 million active digital customers as of Q2 2019 — many of them wondering about Chase Bank hours of operation.

Chase Bank Hours of Operation

Chase Bank operates all around the world and many people have come to this article wondering, what are the hours for Chase Bank?

Or you may be wondering what are the hours for Chase Bank on Saturdays, or the Chase Bank hours for today near you.

So, what are the Chase Bank hours of operation?

Chase Hours

chase bank hours

Chase banking hours are as follows:

Chase Hours
SundayClosed
Monday9 a.m.-6 p.m.
Tuesday9 a.m.-6 p.m.
Wednesday9 a.m.-6 p.m.
Thursday9 a.m.-6 p.m.
Friday9 a.m.-6 p.m.
SaturdayVaries between 9 a.m.-1 p.m.; 9 a.m.-2 p.m; 9 a.m.-4 p.m.; or closed

*Not all Chase Bank locations are open on Saturday. Only select locations will be open on Saturday. If you bank with Chase and think you may needing banking services over the weekend give them a call to confirm Saturday hours.

Chase Bank Hours for Normal Days 

Chase branch’s hours vary by branch, so if you’re planning to make a trip your best bet is to search for your nearest Chase location online and verify the hours it’s open. 

A good rule of thumb is that Chase is typically open on weekdays from 9.am. to 6 p.m. The bank’s Saturday schedule varies from one financial center to the next, with most branches open from either 9 a.m. to 4 p.m., 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., depending on the location. However, some branches are closed on Saturday. ATMs are open 24 hours a day, seven days a week.

Chase Bank Holiday Hours

Chase holiday hours follow the same schedule as other national banks, meaning branches are closed on all federal holidays. Use this table to find out which holidays Chase will be closed on in 2021:

Chase Holiday Schedule 2021
New Year’s Day — Jan. 1Closed
Martin Luther King, Jr. Day — Jan. 20Closed
Valentine’s Day — Feb. 14Open
Presidents’ Day — Feb. 17Closed
St. Patrick’s Day — March 17Open
Memorial Day — May 25Closed
Independence Day — July 4Closed
Labor Day — Sept. 7Closed
Columbus Day — Oct. 12Closed
Halloween — Oct. 31Open
Veterans Day — Nov. 11Closed
Thanksgiving Day — Nov. 26Closed
Black Friday — Nov. 27Open
Christmas Eve Day — Dec. 24Open
Christmas Day — Dec. 25Closed

If you need to visit your local Chase branch the day before or after a holiday — you may face delays since some Chase locations will close early.

However, you can access 24-hour access ATM machines for deposits, withdrawals, and transfers. Or you can opt to use the Chase Bank app for iOS and Android devices.

Related: Finding Your Chase Routing Number (By State)

Is Chase Open 7 Days a Week?

Chase branches are open six days a week (Monday through Saturday). Some Chase locations are also closed on Saturday.

Is Chase Open on Weekends? 

Although most Chase locations are open on Saturday, not all are.  Check a branch’s hours either online or by calling before paying it a visit.

How Can I find Chase Bank Near Me?

Finding the closest Chase Bank near you is easier than ever with our Chase Bank finder.

Just enter in your zip code and find all Chase Bank locations near you ranked by real Google reviews.


About Chase Bank

JPMorgan Chase Bank, N.A., doing business as Chase Bank or often as Chase, is a national bank headquartered in Manhattan, New York City, that constitutes the consumer and commercial banking subsidiary of the U.S. multinational banking and financial services holding company, JPMorgan Chase. The bank was known as Chase Manhattan Bank until it merged with J.P. Morgan & Co. in 2000.[2] Chase Manhattan Bank was formed by the merger of the Chase National Bank and The Manhattan Company in 1955.[3] The bank merged with Bank One Corporation in 2004[4] and later acquired the deposits and most assets of The Washington Mutual. Chase offers more than 5,100 branches and 16,000 ATMs nationwide. JPMorgan Chase & Co. has 250,355 employees (as of 2016) and operates in more than 100 countries. JPMorgan Chase & Co. had their assets of $2.49 trillion in 2016. JPMorgan Chase, through its Chase subsidiary, is one of the Big Four banks of the United States.[5][6]

Have some information to add about Chase Banking hours? Let us know!

Why Online Installment Loans Can Be A Great Boost

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online installment loans

Handling your finances optimally so that you are never in a financial crunch is a sweet proposition in theory, but in practice, it is often unachievable. There are a lot of ways your financial plans can get messed up, e.g. an accident to your vehicle resulting in huge repair costs, some major illness in the family, sudden unemployment, increased taxes, any one of these variables is sufficient to put you under an immediate financial burden.

For long term financial issues, coming up with a solid financial plan that ensures savings and boosts credit score is invaluable. But for immediate needs, often a loan is the key to solve your financial issues. However, there are a number of advantages and pitfalls in the process of securing a loan. If you do not have already a good credit score, getting certain loans approved can be a drag. Getting a loan from your friends without interests is a good bet but most people do not like to reach out to their kin for money. Predatory loan options are abundant but they can put you into an eternal debt circle. Hence in all fairness, an installment loan could be the best option.

Why an Online Installment Loan?

Sudden financial hardships or a cash crunch can arise at any time. While it may be due to a lack of financial planning, even the most ardent and organized individuals may feel the pinch of a financial crisis from time to time.

For the short term, a loan seems to be the best way forward. But, of the many types of loans that are available in the marker, an installment loan is generally considered the best option due to its easy repayment options and sometimes pretty low-interest rates.

There are a number of advantages in going for an installment loan online when you need money now. Before we discuss the nuances of an installment loan, let’s look at how its online version is better suited for today’s population.

  • Private and Secure: A number of people believe in the complete privacy when applying for a loan. What could be more private than applying for a loan from the security of your bedroom via the internet.
  • Easy Approval: By their nature, online installment loans are easier to secure as their demand for credit score and documentation is much more flexible. You can expect approval within a couple of days despite a bad credit rating.
  • You are in Charge of Repayment Tenure: The number of months needed to repay the amount is decided by you and you can get a tenure of up to 36 months in some cases.
  • Considerably Large Amount: Installment loans secured online can net you up to 1,000 USD at one go. That is a considerable amount of money if you need an immediate financial boost.

Now that we have established the benefits of going for an installment loan online, let’s look at what installment loans really are.

What is an Installment Loan?

An installment loan is akin to a payday loan but it differs significantly in terms of ease of the repayment, protecting you from a debt cycle, your property and more. The biggest advantage of an installment loan is that it does not require a lump sum payment. Often people in need of immediate cash go for regular payday loans thinking they will repay the amount in full with next paycheck. But unforeseen circumstances can arise and the payment will not be done. The person then is forced to roll over the loan further at the same time paying a pretty penny for the high interest rates. This is called a debt cycle.

Under certain circumstances, the debt cycle can become so much of a burden that people are never able to repay the principal amount as they are always catching up with the interest. In extreme cases, people have been known to lose their houses, cars and other properties just to get out of the small loan they thought would help them solve an isolated financial anomaly. There is a good reason these types of loans are also called “Predatory Loans”.

Installment loans, on the other hand, allow you to budget and pay the sum back in smaller chunks over a few months. You can decide the tenure upon the lender’s agreement based on your income and savings. With each payment, you take care of not just your interests but also part of the principal amount. The amount for each installment is pre-decided hence there is never a chance of an ugly surprise.

Other Benefits to Installment Loans

Online installment loans bring to you the best of installment loans along with privacy, security, ease of application and getting the amount directly in your account. Furthermore, there are online platforms that let you connect with a number of safe and trustworthy lenders at the same time.

This allows you to compare between interest rates offered by different lenders, compare the tenures available, and identify the plan that best suits your situation and go for it. Without the help of such online platforms, it would be a back-breaking task to approach a number of lenders individually and compare their offers.

There are a number of benefits in securing an installment loan online and many of them have to do with the ease of repayment and flexibility of securing the loan:

1. Easy to repay

One of the advantages of installment loans is the ease of repayment, as the borrower and lender can agree on a certain time period and number of installments of a certain amount. With each installment, some part of the principal is taken care of and the installment amount does not change till the last payment.

2. Private and secure

Online installment loans are usually private and secure. Most people do not want to advertise their weakened financial condition to their near and dear ones. From the comfort of your living room, you can apply for the loan and get approved.

3. Easy comparisons

An easy comparison is possible online. There are a number of service providers on the internet who provide comprehensive comparisons between different lenders, their interest rates and their document requirements for the loan. You can look at this data and work out the best option for you.

4. Poor credit? No problem

Online installment loans can be applied for and obtained despite a poor credit rating. Sometimes lenders go through the credit rating on Equifax, Transunion or Experian. In addition, a number of other factors are considered as well including your current income and the ability to repay. If you have had a good history with the lender, that will also work out to your advantage.

5. Lenders will work with you

Installment loan lenders are usually a little less stringent that payday loan lenders. If you fall into financial hardships and are unable to repay the last few installments, the lender would typically call you, assess the situation and try to work out an alternate payment schedule. Essentially you get credit for having paid a number of installments. Only if you do not repay the loan at all then third party services are involved.

6. Lower interest rates

The higher the amount of the loan, the lower the interest rate. This is a great aspect of installment loans for people who need higher amounts to get out of their financial crunch. Typically, installment loans can provide up to $1,000 at one time. As the write up suggests, installment loans have a lot going for them due to the ease of payment, lower interest rates for higher amounts, privacy, security, flexible repayment schedule, and other factors.

Installment Loans Providers

There are a number of installment loan providers both online and offline. Also, there are some online services that allow you to seamlessly compare between separate installment loans, their rates, document requirements, repayment cycle and so on.

If you decide to apply for an installment loan online, you can also expect complete privacy which is often not the case for offline loan applications. You are saved lots of visits to different providers and the approval process is pretty fast with the money getting credited to your account directly.

Bottom Line

An installment loan is similar to a personal payday loan where the borrower is not required to return the amount in a lump sum. Instead, you can discuss with the lender to identify a certain time period within which regular payments of a certain amount will be made (usually monthly).

Each time a payment is made, it takes care of the interest payment for that cycle and also part of the principal. That makes installment loans great for protecting you from a vicious debt cycle that certain predatory loans offer. Predatory lending is usually secured online or offline despite the borrower having a poor credit history. The repayment cycles can run from 3 months to 36 months.

But we must end this article with a word of advice. No matters how secure, easy to repay or exciting a loan offer is, it can never beat taking care of your own finances. Once your immediate need has been fulfilled, we request you to come up with a solid financial plan to boost your cash reserve and credit score.

You never know when the next hour of need will arise but when it does, you will be armed with a solid credit score and a pool of cash to see you through the hardship.

While the availability of installment loans can get you money quickly, we should never forget the importance of a solid financial savings plan. If you are in an immediate need, we urge you to go for an online installment loan to avoid the debt trap and once the hardship is over, focus on savings in a systematic way.

Finding Your Chase Routing Number (By State)

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chase routing number
Source: ABC7 New York

Are you looking for your chase routing number for your Chase Bank Account?

When you set up a direct deposit for a new job, your employer will ask you for the routing number and account number from your bank account. A routing number is a 9-digit code that is assigned to a bank or credit union so that it can make transactions with other financial institutions.

This number is used during money transfers to identify where the customer originally opened the account. It’s also used to distinguish banks or credit unions with similar names. You can find your Chase Routing Number at the bottom of your checks.

Chase Routing Numbers by State:

Here is a full list of the Chase routing numbers for each state:

  • Arizona: 122100024
  • California: 322271627
  • Colorado: 102001017
  • Connecticut: 021100361
  • Florida: 267084131
  • Georgia: 061092387
  • Idaho: 123271978
  • Illinois: 071000013
  • Indiana: 074000010
  • Kentucky: 083000137
  • Louisiana: 065400137
  • Michigan: 072000326
  • Nevada: 322271627
  • New Jersey: 021202337
  • New York – Downstate: 021000021
  • New York – Upstate: 022300173
  • Ohio: 044000037
  • Oklahoma: 103000648
  • Oregon: 325070760
  • Texas: 111000614
  • Utah: 124001545
  • Washington: 325070760
  • West Virginia: 051900366
  • Wisconsin: 075000019

These Chase routing numbers are all updated and ready for you to use to start using your Chase banking account.

How To Start The Cash Envelope Budgeting System

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envelope budgeting

The envelope budgeting system is a smart system to help people save money and get the bills paid and meet their financial goals. It can help people set aside money for bills while still having a budget in place.

Do you wonder at the end of the month where you have spent your money?

If yes, most likely, you don’t have a proper budgeting plan in place and aren’t able to accurately track your expenses and income.

You’re not alone though, CareerBuilder found that 78% of workers are living paycheck to paycheck.

If you could benefit from a new envelope budgeting method to help you get the bills paid then the envelope budgeting system can help you get your finances back on track.

How to Use the Envelope Budgeting Method

A realistic budget helps you to create a proper spending plan. So, if you can stick to it, you will be able to stop overspending. Besides, you can track where you are spending your money! Eventually, with time, you can start saving money as well! In short, it can help you to live within your means!

Well, if you search, you may come across various types of budgeting methods! But trust me, if you don’t have a proper spending plan and want to get a grip on your finances, an envelope budget can be the best bet for you!

An envelope budget might seem outdated to you. I mean, when you can plan your budget just with the help of your smartphone, then why do you need envelopes to budget? Why do you need to set up the envelope budgeting system?

Here are some of the reasons:

Most of the people end up overspending because they don’t have a proper spending plan! And they can’t track where they are spending their dollars. Eventually, at the end of the month, they won’t be able to find out what is the total expense and all. But the envelope budgeting method helps you to provide a visual representation of your spending habits. And it can help you to track your expenses too!

So, if you can stick to your envelope budget, hopefully, there will be no chance of overspending. This budgeting method encourages you to use cash for your discretionary expenses! And let me tell you, a study reveals that using cash can actually help you save more bucks than paying by credit cards!

The reason being, while swiping your credit cards, you are not aware of your financial limitations. And usually, the credit limit for credit cards is a bit higher than your paycheck (depends on your creditworthiness). So, you might think that you have more money than you actually possess.

You will come out of smoke and mirrors when you will receive your credit card statement. By that time, you might overspend and generate an incessantly high outstanding balance amount!

But if you carry cash, you know how much money you have to spend. So, even if you want to overspend, you can’t!

After hearing all these, you might be damn excited to start the envelope budgeting system soon! But how will you do that?

Well, setting up the envelope budgeting method is pretty simple! Here are some of the best possible tips to start your envelope budget successfully!

Step 1. Plan your budget

The baby step to set up the envelope budgeting system is planning a budget first! By doing so, you can allocate funds for your different expenses.

So, sit down in the most comfortable space at your home with a pen and paper. List all your expenses along with your monthly income from all sources.

Some of your expenses might be to pay off your mortgage loan or rent, utility bills, insurance policies, etc.

For these expenses, you can switch to autopay! In doing so, the funds will be automatically transferred from your account. And you won’t have to worry about missing deadlines for payments!

Besides, you will have some variable expenses on some categories like:

  •       Transport or fuel
  •       Entertainment (like dining out, going out for a movie, etc.)
  •       Groceries
  •       Household goods

These are some of the common variable expenses that I have listed. You may have some other expenses too! If so, then you need to list that in the variable expenses category!

Step 2. Withdraw the necessary cash

As we discussed, you need to put in cash in the different envelopes for your different expenses. So, you need to withdraw the necessary amount of cash at the beginning of the month.

While planning your budget, you are allocating funds for different expenses. And thereby, you can get a rough idea of how much cash you will need!

By the way, are you planning to withdraw cash from the ATM?

If yes, I would suggest you check the maximum daily withdrawal limit of your bank! And if you are going to the ATM to withdraw cash, use your bank-owned or affiliated ATM. This way, you can stay away from shelling out transaction fees at a non-network ATM.

Otherwise, you can visit a branch and withdraw the necessary amount!

Step 3. Create envelopes for each category

Now, based on your list of discretionary expenses, you know how many envelopes you need! While chalking out your budget, you have already decided how much money you will allocate for each of these expenses.

So, based on that, put in cash in each of the envelopes and write the total amount on it.

Let’s say, you have $1,500 for your variable expenses. Based on your budget, you have allocated:

  •       $200 for transport or fuel envelope
  •       $400 for entertainment envelope
  •       $600 for groceries envelope
  •       $300 for household items envelope

So, whenever you need to spend, take out money from that specific envelope. And as I said, write the remaining amount on the back of the envelope.

Besides, make sure that you are taking out cash from the right envelope. For example, if you are taking out cash for entertainment expenses, it should be from that envelope only!

The Benefits of Envelope Budgeting

Now, you are all set to implement the envelope budgeting method for your financial life! If you can stick to it, you can reap the benefits, like: 

It can help you to track your expenses

Every time you are spending money on a category, write down the remaining dollars on the back of the envelope! Also, write down the date along with it.

It will help you to track how much money you are spending on that category. At the end of the month, you can have a look at the envelope. And check if any dollar is left.

Eventually, you can calculate your expenses in each category. And thereby, you can calculate your total expenses in a month too!

You can stay away from overspending

If you run out of money in an envelope, that means you are overspending in that category! At this point, you might think to take out money from another envelope! Or, you might plan to use your credit cards for the expenses!

But please don’t do that! It might become your habit that if you run out of money in an envelope, you can take out money from another one or swiping your credit card! In short, there will be no reason for budgeting!

So, wait for your next paycheck date. And from the next time, make sure that you are not overspending in that category! I know that it might be tough for you to stick to this! But trust me, buddy, to make the most of the envelope budget, you have to do this.

You can utilize the remaining money for your good

At times, it might happen that you have saved some dollars in a particular envelope. And that’s really good, pal! In that case, you can  do the following things:

  • You can stash that money into your savings account. But I would suggest you opt for a high-yielding savings account. Usually, these accounts are offered by online banks like Ally, Chime, etc. And they offer slightly higher interest rates than the brick-and-mortar banks. So, if you stash your money in the high-yielding savings accounts, you can earn relatively more interest! 
  • If you have any debts to pay off, you can utilize that money! Having debts can be an obstacle for you to save money! Because, most likely, you need to dedicate a substantial amount of money to pay off your debts. So, eventually, you will be left with fewer funds. That’s why you need to find some genuine debt solutions and lead a debt-free life ahead! If you have any remaining dollars left in an envelope, you can dedicate that money to pay off your debts! Trust me, once you get rid of your debts, you will be able to save more money! 

Well, you can save money for your emergency fund too! See, life is full of uncertainty. Anything can happen at any moment of our lives!

So, we need to be prepared to face any kind of exigency. And if you become financially prepared, it will be relatively easier to deal with any exigency.

That’s why you can stash some dollars every month in your emergency fund. Financial advisors often say that you need to have a rainy day fund consisting of your expenses of 6 months.

But you can start with a small amount of money. And with time, you can build a substantial amount of emergency funds! 

Well, most of the things in our lives have pros and cons too! No doubt, the envelope budgeting system has ample benefits. But it has some downsides too, like:

  • In the envelope budgeting system, you have to keep cash in the envelopes. So, carrying an envelope full of cash can make you vulnerable to theft. Or, you might lose some of the cash or the whole envelope. To avoid these problems, you can take a part of the cash from the envelope while going out. For that, before going out, make a rough idea of how much money you might need to spend. 
  • By using cash for your expenses, you might miss the cashback offers or reward points offered by credit cards. But in the envelope budgeting system, you don’t need to use credit cards! As I said, using credit cards can intrigue you to spend more. So, use cash as much as possible and refrain from overspending.

 So, always remember, to master the envelope budget, you have to spend what’s there inside an envelope! You can’t spend more! And if you have cash left in an envelope, that’s great! It means you are saving money! And if you run out of cash in an envelope, you need to be alert!

So, the bottom line is, initially, the envelope budgeting method can be a bit tough for you. But once you get obsessed with it, trust me, you will have finances under control. And you can lead a financially stable life ahead!

How to Make 15 Dollars Fast Now

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how to make 15 dollars fast

Need to learn how to make 15 dollars fast?

We come across moments when we need to come up with ideas on how to make $15 dollars in one day. And it’s often those times that really matter.

Whether you need extra cash to get the bills paid or you wanted to save up for something, these 18 legit ideas can help you make $15 in a day.

Depending on your situation, you’ll have to combine one, two or three of these ideas to get your 15 bucks. Creating new income streams can help you reach your goal and diversifying your sources of income is recommended.

With each new income stream you develop, you’ll be one step closer to your goal of getting cash right now.

Let’s take a look at these top ways to make 15 dollars fast in 2020.

How to Make 15 Dollars Fast Now

Hopefully, you can stop wondering, “How can I make $15 fast right now?” because we’ll only include legitimate and safe ways to make $15 a day.

We will begin with “quick wins” — or companies that’ll pay you for signing up — below:

Sign up for all four offers and you’ll be closer to $15:

Next, we’ll move on to other ways to earn your $15.00 quickly.

1. Make $15 fast with online focus groups

lendjet reviews

Getting paid to give your opinion sounds like a dream. But Survey Junkie actually pays you for joining focus groups, answering questions, watching videos, trying new products — you get the idea.

When you use Survey Junkie’s website or free app, you earn cash rewards. You can also get a quick signup bonus for joining.

If you are interested you can go ahead and claim a registration bonus for signing up.

Take Surveys and Earn Cash Now

Want other others to earn your $15 fast?

Here are two of the other highest-rated paid survey websites:

  • Swagbucks is one of the most recommended rewards sites. They offer a large variety of surveys and in different categories and they make payments via PayPal.
  • With InboxDollars you could earn quick cash for watching videos, playing games, and searching the web. Plus, they give you a $5 sign up bonus here if you sign up!

2. Make $15 fast by lowering your monthly bills

make 600 dollars fast

“I could not believe how easy this was to do. It took me about 5 mins of work and I had about $70 in my account.”

When you want to make a quick $15, one of the easiest ways you may overlook is finding easy ways to lower your expenses.

I didn’t realize how much I was overspending on my cable, phone bill and to random subscriptions that are on autopay.

Most people don’t bother with the trouble of calling up AT&T, Verizon, Sprint (or whatever cell phone provider you use) to try to get their cell phone bill lowered. So let someone else do it for you.

Avoid overpaying on bills by using Cushion, a free bot that will negotiate down bills for you. It will even check on those pesky subscriptions for you.

You’ll need a Facebook account to use it, as it communicates with you over Facebook messenger (or via text).

It’s pretty simple to sign up using your Facebook account and takes a minute. You’ll likely be able to save over $15 this year by using it!

Say Goodbye to Overpaying with Cushion

3. Make $15 fast with online freebies

free paypal money instantly

When trying to make $15 fast, every dollar counts.

Thankfully, you can easily pad your wallet or purse with cash back apps like Ibotta ($10 sign up bonus) and Pei ($15 sign up bonus) that pay you for the shopping you do daily.

Sign up for all three and that’s a quick $25 just for downloading three apps – not bad.

Here are some other companies that pay you for downloading:

  • Survey Junkie: Make $2-50 in your spare time each day by taking surveys, participating in focus groups, and testing new products. Join Survey Junkie here.
  • Swagbucks: Similar to Survey Junkie, but with a few more ways to earn (such as watching videos and using their search engine). Get a $10 signup bonus for joining.
  • Rakuten and Dosh: Two cash back apps that essentially pay you whenever you shop; Rakuten offers a $10 signup bonus and Dosh offers a $5 signup bonus.
  • Acorns:  Once you connect the app to your card, it rounds up your purchases to the nearest dollar and funnels your digital change into an investment account. Sign up to try it risk-free with a $5 sign up bonus

4. Make $15 fast in one day with Airbnb

earnest money

Another smart way to make $15 fast is by listing your space on Airbnb.

It’s smart because it’s simple and free to list and you easily make $15 in a day.

You can actually see how much you’re able to make by using their cash pay-out calculator to do some quick research beforehand.

By creating a free account, setting up a 5-minute listing and setting whatever prices you want, you have the potential to skyrocket your income. Of course, the nicer your home and location the better.

However, you don’t even need to have a spare room or home to share to earn with Airbnb since they now offer “host experiences“. 

This is a really unique thing that they offer and are expanding into. If you ever had friends from out of town visit and you showed them the cool things to do in your city, now you can get paid for doing just that… for strangers.

If you’re interested in learning more about getting paid for basically being a tour guide or listing your space, you can learn more here.

List Your Space on Airbnb

5. Let a chatbot save you $15 this year

payroll processing

The next idea for you to save an extra $15 today is by letting automation do the work for you.

Trim is a money saving bot that sends you messages via Facebook messenger and can help you save money.

After a quick 2 minute sign up the bot will go through your spending habits, show you all the subscriptions you’re signed up for (and should cancel), and even negotiate your utility bills for you.

Basically, a free personal financial advisor that you don’t have a pay a cent for, in fact, this chatbot will actually save you money. 

It’s also worth mentioning another bot that has a black belt in fee negotiation is Cushion (I use both since they’re both free).

Sign Up for Trim Free with Facebook

6. Get $15 fast for downloading an app

how to make $60 fast

By using the internet as you do every day, Nielsen invites you to make a difference – and you can make money too.

I downloaded this app on all of my devices and make around $50 a year passively.

You don’t really have to do anything other than initially registering your devices (phone, laptop, tablet) and they’ll pay $50 per device.

This is a smart way to make extra money as even if you just install it on your phone they’ll pay you $50 a year keep their app on it.

They also keep things interesting for me since they give away a modest $10,000 each month. I like to think I have better chances of getting it than the lottery, so consider it a free lotto ticket each month, too.

If you are interested in getting paid passively, I recommend that you sign up through here for a registration bonus.

Get $50/Year Per Device

7. Make well over $15 fast with real estate investing

how to make $60 fast

Wouldn’t it be great if you could invest in commercial real estate and apartments without dealing with all the hassle of buying, improving, and re-selling real estate?

You don’t have to be a millionaire to invest in these types of properties. Fundrise allows you to now invest in large-scale real estate for as little as $500.

For example, I invested in $1,000 in February (to diversify my portfolio) and my account has gained $15.98 in profit since then, it’s actually quite exhilarating!

Through their real estate investment products, investors earned an average of 8.74 – 12.4 percent on their money last year, and all without painting a wall or dealing with unruly tenants.

  • 8.74% – 12.4% historical annual returns
  • Diversify your portfolio with real estate
  • Maximize your earnings with a low-fee approach

There is a reason why they currently have over 200,000+ users, this app really pays us!

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

Invest in Real Estate with Only $500

8. Make $15 fast delivering groceries

make $200 fast in a day

You can also make money fast by delivering groceries.

Instacart delivers groceries from local stores in two hours from stores like Whole Foods Market, Target, Costco and Petco. Why should you care? Because this is a lucrative opportunity for you to make money fast.

If you wanted to become an Instacart personal grocery shopper, you’ll earn an average of $15 per hour!

How to make that $15 fast though?

Sign up as a personal grocery shopper and start to receive grocery orders through an app on your smartphone and then shop and deliver groceries to the customer’s door. You can start earning quickly and get paid weekly and schedule hours based on your schedule.

Get Paid to Deliver Groceries

9. Get $100+ now with ZippyLoan

I need money now

If you actually need money now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go. You apply for a loan through the Zippy Loan site, if approved they send your loan application to one of many loan providers.

You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get. You can borrow between $100 and $15,000 as soon as tomorrow. Loans service for up to 60 months.

ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.

Get $100+ Right Now

10. Get $10 fast by using Rakuten

how to make $1000 fast

If you enjoy shopping online and always look for the best deals, Rakuten is a solid choice to help you learn how to make 15 dollars fast.

Rakuten gives you money back on your purchases made. To get started all you need to do is register and before you shop next time, visit Rakuten first then your favorite store after. I do this every time I shop online because Rakuten works with almost every online store I can think of.

From the moment you start using Rakuten your savings is sure to add up and you can make $15 quickly depending on how often you shop. You can get paid via PayPal too. Rakuten also gives you a $10 sign up bonus to start. Get your bonus here.

Sign up Free - Claim $10 Cash

11. Get $15 fast with cash back apps

how to make $60 fast

Have you ever dreamed of paying less for gas each week? Well, that time has come, with GetUpside you can earn money by sharing your purchase receipts and shopping at local stores. I heard about this app on the radio and decided to try it out for myself.

The system is simple: you take a photo of your gas receipt and upload it. Then the app will digitize the receipt information and you’ll get up to 25 cents off each gallon. I’m surprised I don’t hear about this app more often though, I make a killing with it.

You can likely rack up an extra $15 this week by using them. And you can also save up to 35% at restaurants and 15% at grocery stores near you. The money you earn can be transferred to your Paypal account or redeemed for gift cards to buy at Amazon and other stores. You can get a download link sent to your phone here.

Start Paying Less for Gas

Need 15 dollars fast? Go get it

Everyone wants to make money fast. However, if you search the internet for how to make 15 dollars online you’ll find a bunch of affiliate marketers trying to promote affiliate links of spammy survey sites or services that haven’t even tried out.

Sure, the list I have provided may require a bit more work to earn your $15…. but they are real and honest ways you can ACTUALLY make 15 dollars. End rant. Got any more ways to make 15 dollars?

Did I answer your question: how to make 15 dollars fast?

How to Make 60 Dollars Fast Now

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how to make 60 dollars fast

Need to make $60 dollars fast?

We come across moments when we need to come up with ideas on how to make 60 dollars fast in one day. And it’s often those times that really matter.

Whether you need extra cash to get the bills paid or you wanted to save up for something, these 18 legit ideas can help you make $60 in a day.

Depending on your situation, you’ll have to combine one, two or three of these ideas to get your 60 bucks. Creating new income streams can help you reach your goal and diversifying your sources of income is recommended.

With each new income stream you develop, you’ll be one step closer to your goal of getting cash right now.

Let’s take a look at these top ways on how to make 60 dollars fast in 2020.

How to Make 60 Dollars Fast Now

Hopefully, you can stop wondering, “How can I make $60 fast right now?” because we’ll only include legitimate and safe ways to make $60 a day.

We will begin with “quick wins” — or companies that’ll pay you for signing up — below:

Sign up for all four offers and you’ll be closer to $60:

Next, we’ll move on to other ways to earn your $60.00 quickly.

1. Make $60 fast with online focus groups

lendjet reviews

Getting paid to give your opinion sounds like a dream. But Survey Junkie actually pays you for joining focus groups, answering questions, watching videos, trying new products — you get the idea.

When you use Survey Junkie’s website or free app, you earn cash rewards. You can also get a quick signup bonus for joining.

If you are interested you can go ahead and claim a registration bonus for signing up.

Take Surveys and Earn Cash Now

Want other others to earn your $60 fast?

Here are two of the other highest-rated paid survey websites:

  • Swagbucks is one of the most recommended rewards sites. They offer a large variety of surveys and in different categories and they make payments via PayPal.
  • With InboxDollars you could earn quick cash for watching videos, playing games, and searching the web. Plus, they give you a $5 sign up bonus here if you sign up!

2. Make $60 fast by lowering your monthly bills

make 600 dollars fast

“I could not believe how easy this was to do. It took me about 5 mins of work and I had about $60 in my account.”

When you want to make a quick $60, one of the easiest ways you may overlook is finding easy ways to lower your expenses.

I didn’t realize how much I was overspending on my cable, phone bill and to random subscriptions that are on autopay.

Most people don’t bother with the trouble of calling up AT&T, Verizon, Sprint (or whatever cell phone provider you use) to try to get their cell phone bill lowered. So let someone else do it for you.

Avoid overpaying on bills by using Truebill, a company that will negotiate down bills for you. It will even check on those pesky subscriptions for you.

It’s pretty simple to sign up and takes a minute. You’ll likely be able to save over $60 this year by using it!

Say Goodbye to Overpaying with Truebill

3. Make $60 fast with online freebies

free paypal money instantly

When trying to make $60 fast, every dollar counts.

Thankfully, you can easily pad your wallet or purse with cash back apps like Ibotta ($10 sign up bonus) and Pei ($15 sign up bonus) that pay you for the shopping you do daily.

Sign up for all three and that’s a quick $25 just for downloading three apps – not bad.

Here are some other companies that pay you for downloading:

  • Survey Junkie: Make $2-50 in your spare time each day by taking surveys, participating in focus groups, and testing new products. Join Survey Junkie here.
  • Swagbucks: Similar to Survey Junkie, but with a few more ways to earn (such as watching videos and using their search engine). Get a $10 signup bonus for joining.
  • Rakuten and Dosh: Two cash back apps that essentially pay you whenever you shop; Rakuten offers a $10 signup bonus and Dosh offers a $5 signup bonus.
  • Acorns:  Once you connect the app to your card, it rounds up your purchases to the nearest dollar and funnels your digital change into an investment account. Sign up to try it risk-free with a $5 sign up bonus

4. Make $60 fast in one day with Airbnb

earnest money

Another smart way to make $60 fast is by listing your space on Airbnb.

It’s smart because it’s simple and free to list and you easily make $60 in under a week.

You can actually see how much you’re able to make by using their cash pay-out calculator to do some quick research beforehand.

By creating a free account, setting up a 5-minute listing and setting whatever prices you want, you have the potential to skyrocket your income. Of course, the nicer your home and location the better.

However, you don’t even need to have a spare room or home to share to earn with Airbnb since they now offer “host experiences“. 

This is a really unique thing that they offer and are expanding into. If you ever had friends from out of town visit and you showed them the cool things to do in your city, now you can get paid for doing just that… for strangers.

5. Let a chatbot save you $60 this year

payroll processing

The next idea for you to save an extra $60 this year is by letting automation do the work for you.

Trim is a money saving bot that sends you messages via Facebook messenger and can help you save money.

After a quick 2 minute sign up the bot will go through your spending habits, show you all the subscriptions you’re signed up for (and should cancel), and even negotiate your utility bills for you.

Basically, a free personal financial advisor that you don’t have a pay a cent for, in fact, this chatbot will actually save you money. 

It’s also worth mentioning another bot that has a black belt in fee negotiation is Truebill (I use both since they’re both free).

Sign Up for Trim Free with Facebook

6. Get $60 fast for downloading an app

how to make $60 fast

By using the internet as you do every day, Nielsen invites you to make a difference – and you can make money too.

I downloaded this app on all of my devices and make around $60 a year passively.

You don’t really have to do anything other than initially registering your devices (phone, laptop, tablet) and they’ll pay $50 per device.

This is a smart way to make extra money as even if you just install it on your phone they’ll pay you $50 a year keep their app on it.

They also keep things interesting for me since they give away a modest $10,000 each month. I like to think I have better chances of getting it than the lottery, so consider it a free lotto ticket each month, too.

If you are interested in getting paid passively, I recommend that you sign up through here for a registration bonus.

Get $50/Year Per Device

7. Make well over $60 fast with real estate investing

how to make $60 fast

Wouldn’t it be great if you could invest in commercial real estate and apartments without dealing with all the hassle of buying, improving, and re-selling real estate?

You don’t have to be a millionaire to invest in these types of properties. Fundrise allows you to now invest in large-scale real estate for as little as $500.

For example, I invested in $1,000 in February (to diversify my portfolio) and my account has gained $15.98 in profit since then, it’s actually quite exhilarating!

Through their real estate investment products, investors earned an average of 8.74 – 12.4 percent on their money last year, and all without painting a wall or dealing with unruly tenants.

  • 8.74% – 12.4% historical annual returns
  • Diversify your portfolio with real estate
  • Maximize your earnings with a low-fee approach

There is a reason why they currently have over 200,000+ users, this app really pays us!

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

Invest in Real Estate with Only $500

8. Make $60 fast delivering groceries

make $200 fast in a day

You can also make money fast by delivering groceries in the gig economy.

Instacart delivers groceries from local stores in two hours from stores like Whole Foods Market, Target, Costco and Petco. Why should you care? Because this is a lucrative opportunity for you to make money fast.

If you wanted to become an Instacart personal grocery shopper, you’ll earn an average of $15 per hour!

How to make that $60 fast though?

Sign up as a personal grocery shopper and start to receive grocery orders through an app on your smartphone and then shop and deliver groceries to the customer’s door. You can start earning quickly and get paid weekly and schedule hours based on your schedule.

Get Paid to Deliver Groceries

9. Get $60 now with ZippyLoan

I need money now

If you actually need money now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go. You apply for a loan through the Zippy Loan site, if approved they send your loan application to one of many loan providers.

You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get. You can borrow between $60 and $15,000 as soon as tomorrow. Loans service for up to 60 months.

ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.

Get $60 Right Now

10. Get $10 fast by using Rakuten

how to make $1000 fast

If you enjoy shopping online and always look for the best deals, Rakuten is a solid choice to make money the easy way.

Rakuten gives you money back on your purchases made. To get started all you need to do is register and before you shop next time, visit Rakuten first then your favorite store after. I do this every time I shop online because Rakuten works with almost every online store I can think of.

From the moment you start using Rakuten your savings is sure to add up and you can make $60 quickly depending on how often you shop. You can get paid via PayPal too. Rakuten also gives you a $10 sign up bonus to start. Get your bonus here.

Sign up Free - Claim $10 Cash

11. Get $60 fast with cash back apps

how to make $60 fast

Have you ever dreamed of paying less for gas each week? Well, that time has come, with GetUpside you can earn money by sharing your purchase receipts and shopping at local stores. I heard about this app on the radio and decided to try it out for myself.

The system is simple: you take a photo of your gas receipt and upload it. Then the app will digitize the receipt information and you’ll get up to 25 cents off each gallon. I’m surprised I don’t hear about this app more often though, I make a killing with it.

You can likely rack up an extra $60 this year by using it. And you can also save up to 35% at restaurants and 15% at grocery stores near you. The money you earn can be transferred to your Paypal account or redeemed for gift cards to buy at Amazon and other stores. You can get a download link sent to your phone here.

Start Paying Less for Gas

Need 60 dollars fast? Go get it

Everyone wants to make money fast. However, if you search the internet for how to make 60 dollars online you’ll find a bunch of affiliate marketers trying to promote affiliate links of spammy survey sites or services that haven’t even tried out.

Sure, the list I have provided may require a bit more work to earn your $60…. but they are real and honest ways you can ACTUALLY make 60 dollars. End rant. Got any more ways to make 60 dollars?

Did I answer your question: how to make 60 dollars fast?

Your Ultimate White Rock Loans Review for 2020

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white rock loans review

If self-sufficiency was a choice, there is no doubt each one of us would go for it. However, it is not, and every once in awhile, we tend to find ourselves in money fixes we never thought we would. For instance, medical emergencies, late rent, unforeseen expenses, debt consolidation, and a long string of other money-emergency situations that can quickly drive us crazy. In such scenarios, some people are often lucky as they can get friends and family to help out. However, most of us are left stranded with no option but to look for personal loans.  The good news is that with platforms like White Rock Loans, now these emergency loans are an inch closer whenever the need arises.

White Rock Loans at a glance

  • You get get a personal loan from $500 to $5,000
  • You can get lender approved in minutes, all credit score accepted
  • Estimated APR is 6.95-35.99%
  • It’s a trustworthy way to get funding
  • You can simply complete the online request form and get an answer instantly
  • Get started at White Rock Loans

Compare with other lenders

LENDERRATES (APR)LOAN AMOUNTVISIT
sofi personal loan5.99% – 18.82%$5,000 to $100,000GET MY RATE
credible personal loans5.95% – 35.99%$1,000 to $100,000GET MY RATE
lendingtree personal loan99.00% – 199.00%$500 to $4,000GET MY RATE
upstart personal loans8.13% – 35.99%$1,000 to $50,000GET MY RATE
upgrade personal loans7.99% – 35.97%$1,000 to $35,000GET MY RATE

» MORE: Compare online loans and pre-qualify

Full White Rock Loans review

What is White Rock Loans? White Rock Loans is a personal loan platform where borrowers with all types of credit history can secure emergency loans of up to $5,000. However, even though it’s a personal loan program, it’s vital to note there is a significant difference between White Rock Loans and other applications.

Why? Well, White Rock Loans is neither a bank nor a lender. It is simply a platform where borrowers of all credit histories are connected to a bunch of lenders who offer fast cash solutions. Even though the platform is relatively new, it’s already taking over the scene due to factors such as quick approval rates as well as the easy loan application. Hence White Rock Loans can be referred to as a lenders marketplace.

How does White Rock Loans work?

The loan application process on White Rock Loans is pretty straightforward and takes only four steps. To apply, visit the site, fill in your personal information, indicating details such as your employment status, your income, the purpose of your loan as well as the amount of cash that you need.

The application is pretty simple, but it tells lenders all they need to know about you before they cash you out. Depending on this information, White Rock Loans then connects you to a long string of Lenders who match your criteria. If the terms are appealing, all you need to do is accept the loan, and White Rock Loans will ask you how you want to receive the money. The best bit about this platform is that it has a fast-approval rate, and depending on the amount you’ve borrowed, you can get it as soon as the next business day. What’s more, is that you can qualify for a loan even with poor credit.

The loan repayment terms often vary from one lender to another. However, in general, White Rock Loans usually offers monthly or bi-monthly repayment options. As for the repayment period, it may be as short as 12 months or as long as 60 months. This again depends on the specific requirements of your lender. 

Is White Rock Loans legitimate?

Wondering about the legitimacy of White Rock Loans? Then you should not as the platform is 100% legit for several reasons. First, the platform is free! Unlike most lending platforms that require you to pay a certain amount of money upfront for you to unlock access to the loans, White Rock Loans doesn’t charge you a dime. However, note, the lender you work with might have fees as part of their repayment terms. That should not worry you because even in regular money-lending situations, you pay such fees.

Also,  even though the loan application process is easy, it’s not as dramatically easy as with most other platforms. You must first fill in your information so borrowers can get all the necessary history on you, to keep the process safe and legal.

Also, since cybercriminals are increasingly targeting personal and financial information, White Rock Loans not only complies with the industry data protection standards but also goes the extra mile to safeguard the safety of your data by using 256-bit SSL encryption. The only party with access to your sensitive information is the lender you choose.

So the short answer to whether White Rock Loans is legit is yes.

Does White Rock Loans check your credit?

Although you can qualify even when you have filed for bankruptcy, White Rock Loans does not perform a credit inquiry. It is simply a lenders market, and all it does is connect you to lenders who’ll help you out. That said, some lenders will often review your credit history before cashing you out, but not all of them. Therefore, White Rock Loans does not check your credit score, but the lender might.

What are other White Rock Loans reviews saying?

So far, most of the White Rock Loans reviews have one thing in common; they are all positive and reflect our review as well. Previous borrowers have left testimonials saying how the platform has helped them in the past with situations such as education funds, business loans, and debt consolidation. This is quite common for personal loan companies like this and LendJet (review) that offer personal loans for all credit types.

A majority of them are impressed by the fact that the repayment period can be as long as 60 months, hence gives them the flexibility to pay at their own pace. 93% of those who’ve used the platform reported that they would gladly use it again if need be. Other factors that White Rock Loans users are happy about include the top-notch customer service and the smooth sailing loan application process.

Pros

  • Unsecured personal loans do not require any guarantee
  • Get the money you need quickly
  • Good credit can give you a lower interest rate
  • Most are fixed-rate loans, which makes budgeting easier

Cons

  • Approved borrowers with subprime credit could receive higher interest rates and generally would benefit from finding other ways to make cash fast.

Apply on White Rock Loans

Whether you like it or not, financial problems are inevitable. So it’s normal to need financial help every once in a while. White Rock Loans looks to be your go-to solution when any unforeseen problem arises.

GET STARTED WITH WHITE ROCK LOANS

System Service Payroll Advance: Get an Advance on Your Paycheck

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system payroll advance

System service payroll advance is a way that employees’ can get money transferred into their accounts via direct deposit (or check) in advance from their employer directly or through a third party.

Some employers offer an alternative to payday loans. But should you use it?

Most likely an employee would use it if they are scrambling to pay last minute expenses.

When I was working as a Controller of a country club, I had to give payroll advances to a few employees from time to time. It’s different than a payday loan because it was tied to our company’s payroll system and is written off on the next payday.

They aren’t really a huge risk because all parties know the next paycheck is coming which will cover the system payroll advance. In this article, we’ll go through the benefits of a payroll advance system in place for both the employer and employee — and what your options are if your company doesn’t offer one.

System Service Payroll Advance Offered By Employers

online installment loans

Many employers now offer payroll advances to their employees according to Wall Street Journal, “A growing number of companies are helping workers gain access to payroll advances and loans, reflecting concern over the impact money problems are having on productivity levels and worker retention.”

My previous company offered it because it helped our employees, and everyone faces emergencies and this is a much better option than a payday loan or an online installment loan and everyone benefits.

A happy employee and a company that has not lost any money essentially.

Thinking About Taking a Payroll Advance?

As an employee, there will be a lot of times where you need money today.

Whether your water pipe bursted or your roof is leaking and you need to get these fixed desperately, you have a few options when your bank account is low.

You can get a credit card advance or even a personal loan, but most online lenders take a few days and require a hefty application.

If your company doesn’t offer a system payroll advance, you may have luck with Zippyloan if you need money tomorrow.

What If Your Company Doesn’t Offer a Payroll Advance?

I need money now

If you actually need money now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go. You apply for a loan through the Zippy Loan site, if approved they send your loan application to one of many loan providers.

You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get. You can borrow between $100 and $15,000 as soon as tomorrow. Loans service for up to 60 months.

ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.

Get $100+ Right Now

System Service Payroll Advance — Is It Difficult?

It’s not difficult for either employees or employer.

Companies like Walmart and Comcast recently have begun offering paycheck advances as a benefit to their employees.

Paycheck advances are designed as an affordable alternative to short-term loans, credit card cash advances and bank account overdrafts as we’ve already discussed.

If you are an employer who is consider implementing this into your payroll system, then it’s a wise idea to do so.

Or, you can even make use of an external System Service Payroll Advance third party solution to handle the entire process for your employee and your business cash flow.

Consider both options and decide what’s best for your company and employees.

Best Features of a Payroll Advance

So what exactly are the benefits of a payroll advance?

Here is a list of the best features of a payroll advance.

It Is Not A Payday Loan

Employees do not have to face hefty interest charges that they incur when they take out a payday loan.

They Are Needed

With many Americans living paycheck to paycheck – as much as 78% of U.S. workers, according to a 2017 CareerBuilder survey – a benefit like a payroll advance could help cover emergency expenses. Also, according to the 2019 Charles Schwab Modern Wealth Survey, only 38% have built up an emergency fund.

What Are The Potential Pitfalls With Payroll Advance?

There has to be some downsides right?

Especially if you have an employee who always want to get an advance on their paycheck.

While payroll advances can help people who have occasional emergencies, it can also be used chronically like payday loans.

So it’s important that the payroll advance system in place is tied to the employer and its payroll system.

The Final Word

To chalk it up, a system service payroll advance is a software or a solution offered by a third party system that helps employers and employees bridge the gap during times of needs where money is needed.

It’s similar to a payday loan but does not burden the employee with drastic interest rates and fees and is tied to the employers payroll system.

By having a system payroll advance in place, it can lead to workers with less stress and more motivation at work. It doesn’t cost the employer any more money and every employer would benefit from having a payroll advance system in place.

Things to Know When Buying a Car for the First Time

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things to know when buying a car for the first time

Do you want to learn about what things to know when buying a car for the first time?

There is plenty to consider when you are purchasing your first car. A vehicle is not something that you can impulsively buy.

There are many factors that impact the purchase of a car whether it be new or second hand. Here are some items to consider before you decide on which car to buy.

Plan for future needs

Will the chosen vehicle be the right choice for your daily commute? How fuel-efficient would it be for long distances? Choose a car that will suit your everyday needs well to ensure a longer vehicle lifespan.

Also, consider your plans when making a final decision about the car you wish to purchase. As an example, if you plan for kids soon, you may want to choose a people mover or another vehicle which has more seats and bigger storage space.

If it looks like you’re going to raise a growing family then consider the number of seats and the amount of space for basic things such as shopping, prams, and child restraints.

If looking for a long term investment end it may be better to go for a more expensive and more solid vehicle, especially if you have family, over and against small and generally less well-manufactured vehicles.

Some types of vehicles with widely varying uses and functions include:

  • Recreational vehicles such as four-wheel drive
  • Sports cars
  • Family cars and wages
  • People Movers
  • Small Sedans
  • Coupe and two-door vehicles
  • Hatchbacks
  • Utes and pickup trucks

Different makes in models of cars are designed to do very different things. A ute or pickup truck may be excellent on the farm but not so useful on long city roads or when needing to take the family on holidays.

Don’t just look for a car that is nice. Forget the idea of a dream car. Look for the car that is genuinely useful and functional for your needs.

Talk to friends and family about their experiences with different makes and models. Every car will have its pros and cons and you’ll need to weigh these up not only in terms of immediate use but future value.

Research financing options

One task that can be overlooked is calculating and comparing car loans. When you are looking to finance a car loan, you have to consider the interest rates, monthly repayments that you can afford, and the reputation of the lender. 

Most car loan providers have a different loan amount, interest rate, and repayment policy. Some car loans can also be extended to those with bad credit scores, while others are stricter.

That’s why it is important to find a car financing option that best suits your needs — and negotiate the best deal possible.

Inspect the vehicle

If you are buying a used car as your first car, have a mechanic that you trust inspect it. Most of the time, they can spot problems with vehicles that may require costly repairs soon and usually would only cost you around $60 dollars for the inspection.

Heed their advice as it will be beneficial to you in the long run. You can trust mechanics to tell you whether the vehicle that you are looking at is worth its selling price. 

They can also tell you if the used vehicle has hidden signs of wear and tear, such as areas that have been patched up after a car crash.

Some of the more important things to inspect include:

  • Check the engine for signs of wear and tear
  • Check for oil leaks and a build-up of oil on the starter engine
  • Check the quality of the tires & tire tread
  • Check all lights interior and exterior
  • Check the science of rust around the radiator and check coolant and water levels
  • Check the appearance of smoke from the exhaust
  • Check that seat belts are functioning properly and are not

You should also check the body for signs of damage or a car accident. Look for signs of rust and make sure that all keys and door locks are functioning.

Mileage is also an important factor to consider when purchasing your first car. City cars will tend to have fewer miles on the clock but may also suffer from stress due to repetitious driving. Cars in the country may have more miles but drive better than small and inexpensive city cars.

Cars that have been used primarily near the ocean may be more susceptible to rust and body damage due to the atmosphere on the coast and the increased humidity while can’t you cars may have greater amounts of the oil build up dust and grime.

Take the car for a test drive

It is one thing to like a car’s exterior, but another thing altogether to know if you are going to like how a car feels when driven around the city. 

Ideally, you would have your family members with you so that everyone can pitch in their opinions about your new ride.

A test drive will help determine if the car’s performance and handling meet your expectations. You can also bring a vehicle checklist with you so that you remember all you need to look out for.

Here are some questions you should address:

  • How does the car start when cold?
  • How do the brakes feel when applied suddenly?
  • Are brakes responsive to gentle touch or do they require hammering?
  • How does the car react to deviations in the road surface? How does the suspension feel?
  • Does the car go straight when you release your hands from the wheel?

Once you begin to pick up some speed you will also be able to test the bearings. you’re listening out for a humming sound from the wheel. This will be especially noticeable around left-hand turns or when you’re cornering to the right.

It’s also a good idea to take a long and experienced friend you may be able to pick up and observe small details that you would have a look while driving.

Allow 10 to 20 minutes at least for a test drive so that you’ll have time to go through the most important checks.

Negotiate the prices

Do not be afraid to reject additional policies or other add-on features if you do not want them. If you are anxious about negotiations, how about approaching the sales online first? 

Online sales services are always available, whether via e-mail or live chat sessions. When you approach the sales team online and have a chat with them before actually going to purchase the car, you will have more time to think about and decide on the policies you need.

There will also be fewer impulsive purchases when you can sort out a deal online beforehand.

The method of negotiation will depend on where and how you plan to purchase your car. For example, online car sales dealers will provide less opportunity for negotiation than a visit to your local used car or new car sale yard.

It’s important to decide early on the price range you are willing to negotiate for the particular make and model of the car you want to buy. What prices are fairly standard in the new car market, prices in the second-hand car market can vary greatly.

Some people are selling due to maintenance costs while others are selling as a result of age the need for an upgrade. Many high-quality cars are sold at very low prices because people simply no longer drive. These cars are off and kept in excellent condition are garaged and maintained well and are offered at a lower price.

Add maintenance costs into your budget

It’s important to know your budget and to stay within your budget. The elements of your budget the most important include:

  • The cost of purchase
  • The cost of interest and any loan repayments
  • The likely cost of maintenance
  • The cost of legal fees, insurances, and registrations
  • The cost of any necessary modifications

Other ways to create an effective budget is to add all of the likely monthly costs of owning and maintaining your car and deducting this from your monthly income. It’s important in your budget to separate fixed and unfixed expenses.

Final remarks

Fixed expenses will include things like registration and insurance while on fixed or variable expenses will include things like fuel and basic maintenance and modifications.

Make sure the terms of your car loan are clear so that you will not be surprised or hit with any unexpected loan fees for additional loan management costs.

You have to add your car maintenance costs into your budget from the day you acquire your car. Look into how costly the maintenance fees might be for your choice of vehicle, and what are some of the common issues that you will have to look out for.

By putting aside some extra cash every month for car maintenance and repairs, you will save yourself from future headaches should car issues arise as you have money in the reserve to pay for them.

Lastly, it is important to take your time and consider your options when buying a car in order to find a deal that suits you best.

Millennial Professionals: Should You Rent or Buy a House?

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should I rent or buy

Are you wondering should I rent or buy a home? Here are some reasons to help you weigh the rent-versus-buy decision.

Owning a home is a dream for most millennials. Unfortunately, the state of the economy today doesn’t often allow for this dream to be fulfilled.

The class of 2020 entering the worst job market since the Great Depression, according to the Bureau of Labor Statistics, and student debt is increasing exponentially. These factors put homeownership on the backburner for most aspiring millennials.

Even as they find better-paying jobs, earn supplemental income through easy side hustles and ways to earn money, millennials are encountering an unfortunate reality: the housing market today has the fewest number of homes available for sale on record.

A healthy housing market has approximately a six month supply of homes.

As it stands though, the supply of homes would be exhausted in merrily 3.5 months. According to an article in the Washington Post, entry-level housing (which entails the homes millennials can most afford) has been particularly scarce.

The D.C. region has less than a 90-day supply of condos costing between $400,000 and $600,000. In the Dallas area, barely a one-month supply of those homes are for sale.

There are many factors that contribute to this shortage of homes.

Primarily, most housing experts blame low inventory on builders themselves. Builders drastically scaled back after the recession, and the housing momentum hasn’t picked up enough since then. The slow rise in housing starters isn’t enough, and construction still remains far below healthy levels.

According to Robert Dietz, chief economist of the National Association of Homebuilders, “The challenge is really adding inventory at the entry-level space.” Given the rising costs associated with land development, wages, and land, it becomes difficult for builders to add affordable inventory at a cost that would meet first-time buyers’ or millennials’ expectations.

Do Millennials Want to Buy a Home?

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The sad part is that millennials still aspire to buy a home, and definitely expect to own a home one day. Among people ages 25 to 34 who rent, 93 percent say they are likely to buy a home someday, according to The Demand Institute.

Even though the idea of homeownership is great, a lack of planning or premature decisionmaking can make it an absolute nightmare. Even VR technology has already enabled Millennials the convenience to experience a virtual tour of homes without physically visiting the location, but there is much more to the homebuying process.

In reality, the cost of home-owning doesn’t simply stop at a mortgage. Insurance, utility bills, fixing household problems and property taxes are just the tip of the iceberg, as is evident in Fiscal Tiger’s extensive home loan glossary. Even with the aid of property tax loans and tax-deductible payments, the costs do add up.

Millennials are quick to get lured in by the appeal of getting closer to owning an asset every month. However, an article in The Guardian warns millennials of getting sucked in without adequate thought.

Often millennials will stretch themselves financially to pay off mortgage loans in the hopes that their income will significantly rise.

Unfortunately, this rarely happens in a decent enough timeframe, leaving their personal finances in a state of mayhem.

In fact, relative to earlier generations, today’s cohort of young people is making less money, considering their education; they are more indebted with student loans and are likely to be underemployed and finding alternative methods to make money.

Should Millennials Rent or Get a Mortgage?

money management tips

Considering one’s stability is probably the most important factor to consider when deciding whether to buy or rent, especially at a time then are less than sufficient houses out on the market.

According to The Guardian, “That means how stable their job is (and how likely they are to get promotions and raises over the coming years), how stable their relationship or marriage is (is there a risk that they might have to sell the house at a bad time in the market because of a divorce or split?), and how stable their career path is (might they move cities or states to work for a different company or attend graduate school?)”

If there is even a little doubt while answering these questions, and the slightest possibility they may not be staying in that house for five or more years, then buying is a poor decision. In fact, divorce and loss of income are two of the top five causes of financial distress that lead to foreclosure.

So what does this mean for the average millennial? Well, for one, millennials should definitely NOT entirely give up their dreams of buying a home.

Rather, it means they should wait to buy when the housing market picks up again and there are more options that are suitable to first-time buyers.

This would allow for more flexibility, better suiting the millennial lifestyle.

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