Author: Hammad

Exploring student loan forgiveness programs can serve as a crucial financial lifeline for individuals with federal student loans, providing relief in diverse situations. It’s essential to stay informed about these programs, their eligibility criteria, and the potential advantages they bring. In this comprehensive overview, we delve into various student loan forgiveness programs, along with additional options and factors to consider, all aimed at assisting you in managing your student debt and, ultimately, helping you make six figures. 1. Income-Driven Repayment Forgiveness: The federal government provides four primary income-driven repayment plans that allow borrowers to cap their loan payments based on…

Are online surveys a viable way to earn some extra cash or just a time-consuming endeavor with minimal pay? We took the plunge to find out, testing various apps in an attempt to assess the worth of taking surveys online. Here’s a breakdown of their experience and findings: Survey Apps Leading in 2023: In a search for the most popular iOS apps for paid surveys, several apps stood out, boasting over 100,000 reviews and ratings of 4 stars or better: While these apps received positive reviews, it’s crucial to note that users generally acknowledged the modest payouts, suggesting that people…

We’ve all encountered sudden financial emergencies, and in such situations, loan apps can offer swift monetary solutions. Unlike conventional borrowing methods like credit cards or personal loans, these apps typically function on a subscription or quick-funding fee model, presenting costs in a manner distinct from traditional interest rates. Below, you’ll find a list of eight loan apps designed to provide cash advances and overdraft protection in 2024, ensuring that you have access to money every day when needed. Offers up to $250 whenever needed. No tip is required for cash advances. Paid plans include features like overdraft coverage and credit…

Contacting the Internal Revenue Service (IRS) can be a complicated task, but there are various ways to contact them. Whether you’re tracking your tax refund or checking the status of an amended tax return, here’s a guide on how to contact the IRS efficiently: 1. IRS Customer Service Hours: 7 a.m. to 7 p.m. From Monday through Friday Average wait time: Four minutes during filing season (January through April), and 13 minutes during the off-season (May through December). Note: Higher call volumes are expected on Mondays, Tuesdays, around Presidents Day (Feb. 19, 2024), and in the weeks leading up to…

Navigating the world of credit cards can be tricky, especially with the wide range of options available. To help you find the best fit for your spending habits, we’ve compiled a list of the top rewards credit cards for January 2024. Whether you prefer cashback, travel rewards, or other perks, there’s something for everyone. Our pick for: cashback — high flat rate Earn a cashback of 2% on every purchase — 1% when you buy, and 1% when you pay it off. Charges no annual fee and has straightforward rewards structure. Our pick for: cashback — 5% categories tailored to…

Understanding interest rates and finding the right credit card to minimize costs is crucial. Whether you’re planning to make a large purchase or aiming to consolidate debt, the following credit cards offer some of the longest 0% intro APR periods and low interest rates in January 2024. Our pick for the longest 0% intro APR period It is one of the longest 0% introductory APR periods available. Ideal for managing debt or financing significant purchases. Our pick for the longest 0% intro APR period Boasting an impressive 0% intro APR period approaching almost two years. Applicable to both purchases and…

Selecting the appropriate savings account plays a crucial role in maximizing your returns and attaining financial objectives. To aid you in saving money in a year, we have curated a roster of the top savings accounts as of January 2024, taking into account factors such as annual percentage yield (APY) and account features. 1. American Express APY: 4.35% (as of 12/14/2023) Minimum to open: $0 Member FDIC 2. Barclays APY: 4.35% No minimum to open Member FDIC 3. Bask Bank APY: 5.10% No minimum to open Member FDIC 4. BMO Alto APY: 5.10% No minimum to open FDIC-insured funds 5.…

Getting rewarded for your everyday purchases is a smart financial move, and NerdWallet has identified the top 15 cash back credit cards for January 2024. Whether you prefer flat-rate cash back, bonus category rewards, or customizable options, there’s a card to suit your spending style. 1. Wells Fargo Active Cash® Card Our pick for: Flat-rate cash back — high ongoing rate + incentives Unlimited 2% back on all purchases Rich sign-up bonus and a generous 0% intro APR 2. Citi Double Cash® Card Our pick for: Flat-rate cash back — high ongoing rate You can get 2% cash back with…

Dividend stocks are a powerful instrument for investors, offering not only a stream of income but also the potential for capital appreciation. Here, we present a list of 9 high-dividend stocks for January 2024, along with insights on how to invest wisely in dividend-paying assets. Understanding Dividend Stocks Dividend Stocks, which encompass shares of companies consistently sharing a portion of their earnings with investors, hold appeal not only for the dependable income they offer but also for the prospect of companies elevating their payouts over time. Among the top dividend stocks, the average dividend yield stands at an impressive 12.69%.…

In personal finance, balance transfers have become a popular tool for people looking to take control of their credit card debt. This method involves moving existing debt from a high-interest credit card to a new card with a lower or 0% introductory interest rate. While the concept is straightforward, effectively employing this strategy requires a nuanced understanding of various factors. The Appeal of Balance Transfers Balance transfers are an attractive option for optimizing financial well-being. The primary allure lies in the potential to save on interest payments, allowing individuals to expedite their journey toward debt-free. In particular, online banks and…