Penny stocks are typically traded for under $5 per unit and usually belong to small companies. There are fewer takers for penny stocks in the market, so they have low liquidity, and investors may find it hard to sell them at a price that reflects the market. While penny stocks can help you make a significant amount of profit, there is, undoubtedly, an equal degree of risk involved.

Secured credit cards work against cash security deposits. They are very useful, especially if you are looking to rebuild your credit score. The deposit usually equals the credit line offered to you. This is held on to by the card-issuer until such time that the account is closed or you move to an unsecured credit card.  Let’s take a look at some of the best, secured credit cards in 2021.  Secured Mastercard from Capital One  The reason this card makes it to the list is the flexibility it offers for your security deposit.

There is a credit card for every need. Picking the right one is of utmost importance since that determines the benefits you reap. You can decide whether you want rewards in the form of airline points or hotel discounts, or if cashback is the way to go. Ultimately, it comes down to your spending and financial habits.

Here’s an astonishing statistic: nearly 15% of our country’s population that needed dental attention between 2013 and 2016 refused to pay a visit to the dentist mainly due to financial constraints. The top reasons were either affordability or missing insurance coverage. Today, fortunately, there are quite a few pocket-friendly dental insurance options.

Gift cards can be used to pay for several products and services across multiple platforms. Corporate gift cards, holiday cards, and even cash back cards are the most popular formats to redeem online or at kiosks. However, the process of redeeming them is anything but simple. And if not done correctly, you may miss out on many discounts and exclusive offers.

Health insurance is one kind of insurance policy that specifically covers the insured’s surgery, hospitalization, and specific medical expenses as per the terms of the policy. Depending on the terms agreed upon, the insurance agency may directly pay the hospital the predetermined percentage of totals costs, with the policyholder being required to pay the rest.

What is a product liability insurance? An insurance policy that protects the insured in the remote event that a product that they deal with causes physical harm to a person or damages property. Businesses that deal with the manufacturing, distribution, retailing or repairing of products would benefit from a product liability insurance.

Retirement is one aspect of our lives that needs to be thoroughly planned so that we can lead a smooth and peaceful life when unemployed with no bumps. So, it is important that one starts saving up right from the time one is employed and saves up a part of his income.

To get the best from your accounts, it is important to find to be in a savings account rather than checking account. There are few points to follow to maximize your savings: The account holder must complete, a minimum required transaction for a month as the default rate is at 0.06%.

Unforeseen vehicle repairs or medical expenses are bound to happen just when your savings have hit rock bottom and when there are no more sources of loans available. Or so you thought. Short term loans with no credit checks provide instant cash. If you have a low credit score, when getting loans from most lenders is next to impossible, a loan with no credit check is a boon.

There are three major American companies that maintain a detailed report of your credit standing and repayment history. This data can be requested for by banks, money lenders, credit card companies, employers and so on. Let us take a look at when hard credit inquiries are essential and when soft credit inquiries may be initiated and by whom.

When it comes to financial planning, people tend to assume that the term only encompasses a systematic method of saving money for a rainy day. While saving money is one of the aspects of financial planning, others such as investing wisely to improve returns on investments, protecting these returns from taxation, providing for one’s funeral expenses to be covered etc.

Buying a property of one’s own may be the culmination of years of saving money. However, merely owning a house is not adequate as it is essential to protect your property against any potential loss or damage in the unlikely event of a break in, accidents like fire or any other natural disasters.

Mobile home insurance covers are very similar to the standard home insurances by offering covers to protect the home, personal property, and liability. Two of the most basic covers offered with mobile home insurances is the protection of personal liability and physical damages. Under liability, the insurance companies provide protection in case any third party succumbs to injury at your property.