Daniel Byrd

2 Things To Know About Short-Term CDs

A certificate of deposit (CD) is a type of savings product that’s federally insured; this means that if the bank or financial institution that holds your CD fails and goes out of business, you’ll receive your money back (as long as it adheres to limits set by the Federal Deposit Insurance Corporation). With a CD, you agree to leave your money in the account for a stated period of time or you forfeit some of your interest.


Why You Should Always Use A Bail Bond Agent To Get Out Of Jail

Getting a call to bail a family member out of jail is scary. Hopefully, it is not something that happens often. Once you find out the amount the court requires to release the prisoner you have the option of paying the bail amount yourself, or of using a bail bond agent. While some people think it is best to try to come up with the money to pay the bail on your own, there are some definite benefits to using a bond agent; here are just a few.


Selling Gold For Retirement? A Few Things To Know

You have quite a few pieces of gold jewelry that you plan to sell so that you can add money to your retirement or savings fund. You want to make sure you make the best decisions with these pieces, so you probably have a few things you would like to know before you visit a gold buyer. Take a look at a few things to know if you are selling your gold to add money to your savings.


Can You Get An Auto Repair Loan If You Have Bad Credit?

A sudden need for an auto repair can be what destroys a household budget. When you’re already dealing with a tense financial situation that includes bad credit and low savings, the need to spend money on your car is unwelcome. Yet there is hope. Not only might there be a warranty that takes care of part of the repair costs, but there are also auto repair loans that you can get no matter your credit score.


3 Things You Should Know About Hiring A Financial Planner

Knowing how to correctly handle money requires advanced skills and training, which is why it makes sense to hire a financial planner to assist you with getting your financial affairs in order. #1: How a Financial Planner Makes Money Financial planners do not give away their advice for free. If you want to work with a financial planner, expect to pay for their assistance. There are two different ways most financial planners structure payments; either fee-based or commission based.


What Are Some Helpful Steps To Take When Trying To Buy A Home?

Ready to buy a home and looking to get a mortgage loan? Because you want to make sure you can make those payments each month to the company that provided the loan, you should make sure to follow some simple steps, such as looking for a home you can afford and taking the time to get more details on some of the different mortgage lenders. Find an Affordable Home Luxury homes are all the rage, but if you cannot afford one, you must remember to live within your means and look for an affordable home that still has plenty to offer.


Installing A Bitcoin ATM In Your Business: 3 Things To Consider First

Few things are constant in this world. However, the idea that people need and want access to their money is one that has and will remain the same for ages. You can take advantage of this need and demand by installing a Bitcoin ATM at your business. Learn how to get started. 1. Research the Value One goal of a business owner is to continually stay on the lookout for new ways to add value to their business.


An Instrument Bond Can Protect Your Company

There is no shortage of bond types. While a large selection means more options, a large selection also means that most people don’t know a lot about each of the different options. One possibility often overlooked is instrument bonds. Instrument bonds can be especially helpful for business owners. Instrument bonds are a form of security that ensures payment in the event you lose a financial instrument, such as a property deed, title, or stock certificate.


There Is A Process To Getting Out Of Jail After Being Arrested

If you have been arrested, you want to be able to get out of jail as soon as possible. There are things that you can do that will help you get out of jail, but the first thing that you have to do is to be arraigned. No matter what you may be able to do to get out of jail, nothing is going to happen until the arraignment has happened.


3 Beginner's Tips For Investing In Metal

As you probably already know, investing now is a good idea for your future. If you are looking into different types of things to invest in, you could be thinking about investing in metal for the first time. If this is the case, then you might be looking for a little bit of help. These are a few beginner’s tips that can help you get started out the right way with investing in metal.


Where Did All Of Our Business' Money Go This Month?

Small business owners tend to be so preoccupied with their operations that they sometimes forget the financial side of the business. They focus on day-to-day operations only to be surprised with the question, “Where did all our business’ money go this month?” Avoid having to ask this question by knowing these common accounting mistakes in your budget: Complicated Budget You need a budget to ensure that your cash flow, spending, and receivables are right on track.


Don't Get Denied For Your Signature Loan

Access to additional funds is sometimes required when you need to cover emergency costs or pay for unexpected bills. Applying for a signature loan can be an effective way to gain access to the financial resources you need to meet your obligations. Signature loans offer funds that can be used for a variety of purposes, making these loans attractive to many borrowers. If you are hoping to secure a signature loan, here are three tips that you can use to avoid being denied so that you can access the funds you need quickly:


Dealing With Debt? 4 Steps To Help You Get Back On Your Feet

Debt is no laughing matter, especially when you’re drowning in it. Once you fall behind on your monthly payments, it can be difficult to get caught up again. Unfortunately, late payments include higher interest rates and penalty fees, which can make it even harder to make your payments. Pretty soon, you’re caught in the endless cycle of debt. If you can’t get out from under your debt, it’s time to take matters into your own hands.


What You Need To Know About Using A Contractor Bond On Your Next Project

As a small business owner, you’re ready to start taking on larger, more comprehensive projects. One requirement you’ll likely have to fulfill in order to bid on some of these potential projects is to purchase a contractor bond. Contractor bonds, also known as a surety bond, requires that the company who issues the bond find another contractor if the original contractor can’t or will not complete the job. It also protects the project owner against contractors who try to renege on the terms of the deal.


Making Change When You're Counting Pennies: How A Single Parent Can Turn Their Financial Future Around

If you’re living paycheck-to-paycheck, consider yourself in good company. Many Americans are bearing the same burden as you, but if you’re a single parent, that weight can be even harder to bear. How in the world are you going to start saving when it’s all you can do now to make ends meet? It is possible, and you can do it. While it won’t be easy, you have to believe in your abilities and pick a time to start.


What to Do If You Can't Afford Your Online Merchant Tax Bill

Finding the money to pay your business taxes each year can be difficult if you’re a small online business without a large amount of cash flow to work with. When you find yourself staring at a number on your tax forms that seems impossible to pay down, here are the steps you should take. Double Check Everything The first thing to do is make sure that all of your numbers are correct.


Dependents And Workers Compensation: What Happens During A Work-Related Death?

Workers compensation is, unfortunately, not just used for the living. There are times when an individual dies while on the job or as a direct result of a work-related injury or illness. When this happens, workers compensation is intended to provide compensation for the employee’s dependents. But in order to handle this properly, the worker’s family need to know who qualifies and for what. Dependents Aren’t Just Children There are many people who may qualify as dependents for a worker.


3 Gift Ideas For Your Coin Collecting Friend

If your friend is really into coin collecting, then you have a good idea about what type of gift to get them for their birthday. However, the world of coins is vast, and for someone who might not too much about coins, it can be intimidating to pick out a gift. So, don’t fret if you are not an expert at coins; this article will help you out. The Traditionalist: A Classic American Coin


Did You Receive Form 1099-K? Don't Panic... Here's What You Do With It

If you have a small business or do freelance work online, you may have started receiving a new and unexpected form at tax time. But, Form 1099-K may look and sound more complex than it is, so here’s a short guide to what to do with it. What is Form 1099-K? Simply put, this is a new informational form that the IRS began requiring in 2012. It’s generally issued by companies that process payments on credit cards or through payment services (such as PayPal).


A Guide To Understanding And Consolidating Payday Advances

If you have had credit or employment issues in the past, obtaining a loan for an unexpected emergency from a bank or traditional lender is not always possible. In that instance, the use of a payday loan is often necessary and is often a good choice for many people. Unfortunately, if you are on a tight budget, paying off your payday loan a few days or even a few weeks later is either challenging or impossible and renewing your loan or even getting additional advances might occur.