Best Strategies For Long-Term Investing

 

By: American Benefits Alliance

 

It cannot be underestimated how important investing money is to our long-term financial wellbeing. It may be the single most important aspect of wealth building. Smart investments not only give us a sizable cash reserve alongside our everyday life, but they also can begin to work for us and eventually even become a source of income. Getting started may seem confusing, however. You may not sure what or where to invest your money. Here are some of the best strategies to investigate if you want to become serious about investing.  

 

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What Is The Largest Cause Of Homelessness?

 

By: American Benefits Alliance

 

Homelessness is the biggest issue in America, and with the rapid rise in the inflation rate, the USA is expecting more homelessness. However, fixing homelessness is not a matter of making commodities cheaper and increasing purchasing power. It’s a prevalent issue that needs to be fixed from the root. In this blog post, we will share the causes of homelessness and determine how these causes can be fixed.  

 

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What Restaurants Have The Best Rewards Program?

 

By: American Benefits Alliance

 

Isn’t it much easier to buy food that’s already cooked? It doesn’t matter if you’re single or have family and kids, eating out a couple of times in a month can save you time you’d spend grocery shopping, meal prepping, and cooking. We’ve created a list to help you find better deals for restaurants serving healthier food for those days you want to stay out of the kitchen. 

 

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What Degrees Will Pay Off Student Loans The Fastest?

 

By: American Benefits Alliance

 

Higher education in the US is very expensive. Everything, from the books to the tuition is pricey, and there are no two ways about it. You either take on student loans to afford your dream degree or end up not getting a college education. Most students need to apply for some student loans so they can afford college tuition. However, as soon as they’re done, there’s the crushing responsibility of having to pay that debt back along with the interest they’ve racked during their college degree. 

 

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Financial Pros and Cons to Getting Married

 

By: American Benefits Alliance

 

Throughout history, marriage has always been viewed as economic exchange between two families. In olden times, the bride was “given away” by the family along with some dowry, or the groom’s family would “purchase” the bride from her family, hoping that she would take on the household tasks of a wife and produce healthy children for them. Marriage worked like a financial transaction, and there were pros and cons related to it. 

 

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A Breakdown of Car Insurance and What You Should Be Spending On It

 

By: American Benefits Alliance

 

Car insurance is mandatory in the USA. The basic car insurance mandate laid out by most US states provides financial protection to car owners and the person injured in an accident. In addition, basic insurance also covers public and private property damage and other financial distress during and after the accident. Therefore, car owners are confused about whether they should purchase optional insurance or not. In this blog post, we will break down car insurance and explain mandatory and optional insurance to decide whether you need additional insurance or not. 

 

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Skills Everyone Should Have On Their Resume

 

By: American Benefits Alliance

 

Most people believe their experience and education are enough to please their employers. However, they don’t know that most companies are looking for employees with specialized skills. These skills help you stand out against the rest and puts your resume in the first position. 

 

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Is Interest Negotiable?

 

By: American Benefits Alliance

 

Interest is the additional money you pay for borrowing a particular amount. It is discussed before the loan is disbursed and agreed upon during the loan contract. However, most people wonder whether interest is negotiable or not? There are many circumstances where a person can negotiate interest and save hundreds, even thousands of dollars over the long run. But everything depends on how good you are at convincing people- especially bankers. Here are a few terms you can negotiate in your interest and decrease your repayment amount. 

 

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3 Financial Goals for Your 20s and 30s

 

By: American Benefits Alliance

 

Managing finances for the first time can be more challenging than your first day of college. From daily expenses to big ticket costs like buying a house and a car, can be overwhelming for most young adults. Moreover, your ridiculously distant retirement is additional pressure on top of all your financial problems. With all these unseemly tough and complicated financial matters, it can be hard to think about setting goals and sticking to them. However, If you are struggling to find your peace in this money-oriented world, you are in the right place. In this blog post, we will share 3 financial milestones to set for your 20s and 30s. Because the sooner you start planning your finances, the earlier you get to enjoy retirement. 

 

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Are Solar-Powered Homes Worth It?

By: American Benefits Alliance

 

The benefits of solar energy are undeniable, and that’s why many homeowners across the country have made the switch to solar power. As a result, they have been rewarded with lower utility bills, increased home value, and peace of mind. But is it worth it to invest in a solar-powered home? In this blog post, we’ll discuss some benefits of going solar and if you should do the same. 

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5 Basic Investing Terms To Know

 

By: American Benefits Alliance

 

 Investing money in stocks, real estate, and 401K account is a great way to save up for retirement. Many Americans plan to retire at the age of 40. However, they start planning very late. If you are in your early 20’s,you need to start retirement planning now. Otherwise, you won’t be able to go to your dream destination and enjoy a comfortable life after 40. But before you start investing, you need to learn its basics. In this blog post, we will share 5 basic investing terms to help you get started. 

 

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Can I Afford My Mortgage?

 

By: American Benefits Alliance

 

Having the money to buy a home for yourself or your family can feel like a dream come true. Once it all starts to come together, you can easily forget asking yourself the most important question: “how do I know if I can afford my mortgage?”
The harsh truth is, it doesn’t matter if you have a fancy backyard or a beautiful kitchen. If you aren’t able to pay your home’s monthly mortgage, your dream house will soon become a nightmare! But figuring out the amount of mortgage you can afford isn’t necessarily rocket science.

Here are some tips that can help.  

 

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Debt Consolidation - What Is It?

 

By: American Benefits Alliance

 

 Debt consolidation is a process where a consumer takes out a new, low interest loan and then uses it to pay off their other individual debts. It can also be used to pay off a small debt in one go by taking another bigger loan. These include any kind of debts that you take from student loans, credit cards, personal loans, to auto loans and numerous others.  

 

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How To Plan To Get The Most Out Of Your 2022 Taxes

 

By: American Benefits Alliance

 

Planning your taxes is key to minimizing the impact on your bottom line. Every year, you are required to file a tax return and come up with a financial tally of your tax situation.
Planning your taxes is as important as filing. It helps you determine whether you owe taxes beyond what you have already paid or whether you owe a refund of the taxes that have been withheld.
Here are a few updates you should keep in mind as you plan on filing your taxes for 2022.  

 

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The Top 3 Places To Check Your Credit For Free

 

By: American Benefits Alliance

 

Maintaining your financial health is important. Hence, it is necessary to check your credit reports regularly. This will allow you to pick up on mistakes or any fraudulent activities that affect your credit history. 
There is no such thing as a universal credit score. Each lender has its own system, and credit reference agencies produce their own version of credit score as they use different scales from one another. You might be turned down by one lender, but successful with another. The higher your credit score, the higher the chances of you getting a better credit deal.   

 

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The Top 3 Common Financial Mistakes

 

By: American Benefits Alliance

 

Matters of the wallet can sometimes be so personal that labeling some of them as mistakes can be hard. Maybe you just wanted to go back to college and incurred a lot of debt in the process. But now, you're not quite sure where you'd be if you weren't educated.
Several of our financial decisions in life leave us with immeasurable and measurable consequences and rewards. And in a reality like such, it can be hard to decide which financial move makes the most sense.

To help you with that, here are the three common financial mistakes you should avoid.  

 

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3 Tips To Lower Your Internet Bill

 

By: American Benefits Alliance 

COVID-19 has drastically affected the way we work. It has created a tremendous social shift and made people move towards work from home and distance learning for students. As a result, the demand for high-speed internet connectivity has increased.
 

Many Americans get high internet bills, which has disturbed their monthly budgets. Although COVID-19 has been around for more than a year, work-from-home employees can't find a way to lower internet bills. 

 

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Should You Opt For That Extra Warranty?

 

By: American Benefits Alliance

 

An extended warranty can be found anywhere. It doesn’t matter if you’re buying a car, a phone, or an electrical appliance; getting one is almost always a waste of money. That is because the object you get an extended warranty on won’t ever break on its own.
On the rare occasion something does break, the minimal repair you’ll require won’t cost you as much as the money you pay for the extended warranty.
Sure, some enthusiastic buyers can save money with the help of an extended warranty, which is great. But before you decide to get one, ask yourself the question: why would a brand want to offer you one in the first place?  

 

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Should You Buy in Bulk?

 

By: American Benefits Alliance


Most people are always looking to reduce their overhead costs. One possible way to cut down your monthly expense is through buying in bulk. Buying in bulk not only cuts down your costs by 20%, but it also reduces food wastage and carbon footprint. Here are five reasons to buy in bulk.  

 

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10 Apps To Make You Money

 

By: American Benefits Alliance

 
If your job isn't as financially fulfilling as you expected, it's time to look for side-hustles that can help you stay afloat. Here is a list of the 10 best money-making apps that can help you with extra expenses on the side. 

 

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Alternatives To Taking Out A Loan

 

By: American Benefits Alliance 

 

Perhaps the most difficult part of getting out of debt is to quit taking out a loan. However, some circumstances force people to borrow money from financial institutions, and they entrap themselves in the vicious circle of paying off interest before the actual amount. Taking out a loan isn't that big of a problem if it's interest-free because that way, you will be liable to pay back the exact amount you borrowed.

In this blog post, we will share 4 alternatives to taking out a loan that will help you get out of debt. 

 

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What Is Your FICO Score?

By: American Benefits Alliance


If it’s your first time asking for a loan, you must be wondering, “what is FICO score?”It is a score used by the lending institution to determine how likely you will pay back your loan. Banks use this information as a risk assessment tool. FICO score plays a very important role in your life because it determines how much loan you are eligible for and your payback period. Sometimes, your monthly installments will depend on your FICO score.

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3 Long Term Retirement Tips

By: American Benefits Alliance

If you have young kids or are at the start of your career, retirement may not be on the top of your mind. But someday, if you are lucky, you can live your golden days. Being young and active takes your mind away from important things in life. You might be living in the present without a care for your future, but if you start retirement planning now, you might be able to live a care-free life even in your old age.

Many people waste their time and money by spending out of control and buying things that hold no future value. These habits become a nuisance in your old age when you have to work to survive. If you want to avoid a drastic fate of working after 50’s follow our 3 long term retirement tips and be prepared for your future.

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4 Tips To Get A Loan With Bad Credit

By: American Benefits Alliance

A bad credit score doesn’t mean that you can’t get a personal loan. Many people have discovered ways to get a loan with bad credits, and we are here to shed light on their strategies.
A bad credit score is usually defined by FICO when a borrower has a score of fewer than 630 points. This means you have either not paid your dues or your payments were frequently delayed.

These measures help lending institutes decide whether you are a trusted person to invest in. However, there are ways you can get a personal loan despite a low credit score, and here is how you can do it.

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5 Passive Incomes In 2020

By: American Benefits Alliance

Generating passive income is the American dream that everyone wants to live. However, passive income requires investment and hard work. With time, your passive income ideas will bloom into a money-making machine, and you will start to hate your current job.

Contrary to popular belief, passive income ideas only require time, not money. There are countless online platforms where you can generate passive income. In this blog post, we will look at 5 passive income ideas for 2020 and how you can achieve them by spending little to no money.

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Top 5 Online Budgeting Tools

By: American Benefits Alliance


Whether you are rich or poor, budgeting is important to survive in today's dynamic economy. An average American has over $90,000 worth of debt, and cutting down expenses is the only way to pay back this amount. For some people, cutting back on their expenses is harder than earning money. However, with the help of online budget organizing tools, saving money can be easy, efficient, and effective.

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Looking To Buy A House? Do This First

By: American Benefits Alliance

While everybody knows purchases are made on a budget, there are many additional factors to consider when buying a house. These things to look out for when buying a house can help you in the long-run because buying a house is not a small decision.

Many home buyers make small mistakes that cost them a lot in the future. For instance, new buyers start refining their criteria as they see different options. Ultimately your home criteria should depend on your personal preferences. In this blog post, we will share 5 things to watch out for when buying a house.

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How To Get A Lower Interest Rate On Your Loan

By: American Benefits Alliance

Most companies that offer personal loans make an authentic measurement of the risk involved in lending you money. They do so by analyzing your credit information. From your income to all the debts you have taken, everything is assessed before the decision is made to loan you money.

However, there are several ways to lower interest rate on loan. In this blogpost, we will discuss the top 5 ways to get a personal loan with low interest rate.

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Moving? Here Are 5 Tips To Help You Save

By: American Benefits Alliance

Not everyone is smart enough to plan finances when moving. Most people simply pack their bags and move to their new home. However, this is not an ideal practice. To manage your finances, you need to plan your home moving. This will keep your money in check, and if you follow these tips, you might make a profit.

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Black Friday Is Early - What Are The Deals?

By: American Benefits Alliance

Black Friday deals are one of the year’s most anticipated shopping events. You can thank the pandemic for moving the holiday sales till December. With Black Friday coming on November 27, you can plan your purchases in advance.

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Tips To Build A Good Business Plan

By: American Benefits Alliance

A plan today is the reality of tomorrow. When you start getting serious about launching your business, the first thing you need to do is make a business plan. Business plans serve several key functions that make them highly important for your business.


A Business plan is both an analytical and problem-solving tool. It includes your strategies, mission, vision, policies, and how you plan to make this plan into a reality. Writing a good business plan does not require good business. It requires a great vision. So here are 4 tips to prepare a good business plan.

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FICO vs Credit Score - What's The Difference?

By: American Benefits Alliance

FICO scores have been used to determine a person’s credit risk. Today, 90% of the top lending institutes check FICO scores to determine whether the person is fit for credit approval. Chances are when you apply for a bank loan, mortgage, or car financing, your bank would inspect your FICO report.
In general, the FICO score is an algorithm that decides whether you can return the borrowed amount on time. This algorithm makes use of your credit report and uses statistical analysis to create your pattern of credit payments.

Ever since FICO scores were introduced 25 years ago, people have been confused. The new generation is mostly unaware of what matters most. Is it the credit card or FICO score? To answer this, we have drafted this blog to help you understand the difference between credit score and FICO score and how to improve them.

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5 Ways To Half Your Electric Bill

By: American Benefits Alliance

Many households in the USA suffer from high electricity bills. It is the second-largest expense after a mortgage. In 2018, people spent $1400 per year on electricity. And with the 2.3% rise in the electricity cost per year, we could expect to pay more than $1500 per year in the future.

For many, cutting down on electricity can be a huge relief. You can reduce your expense by 25%, which means an added $350 in your pocket. Here are 5 ways to reduce electricity bills and invest the extra saving elsewhere.

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Paying Over Time - Is It Losing You Money?

By: American Benefits Alliance

Holiday seasons slump the sales of many retailers as the purchasing power of people decreases. As people buy fewer expensive gifts, sales do not meet the expectation. In response to this, retails have gone all out, including the revival of their layaway plans.

Layaway plans are promoted to boost sales and make the purchase easier for customers. It involves paying over time through small payment plans. Though it might seem attractive, there are a few cons to this. In general, the idea is great as people can slowly pay back their due amount. However, it can become frustrating in the long run, and you might be losing your money.


Here are 4 reasons why paying over time costs you more than the product's actual price.

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3 Ways To Keep Your Finances Organized

By: American Benefits Alliance

People who know how to organize money are the ones to make headway towards their financial goals. It is also evident that money management is a necessary skill to survive in today’s inflating economy. So how do you control your finances?

Fortunately, organizing your finances is not as difficult a sit sounds. All you need is a budgeting plan to take control of your expenditure. Mastering this art can help you maneuver through the twist and turns of life, all the while maintaining reasonable expenses before your next payday. So, here are our 3 proven ways that will teach you how to organize finances and regain control over your financial life.

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Top 3 Ways To Make $100 From Your Phone

By: American Benefits Alliance

We use our phones all day every day; they’re almost integral to everything we do now. Time spent on phones should be utilized. The best way todo that is to make money through your phone.
It sure can be a long process, but getting paid for using your phone sounds like an insane deal. You can earn a decent amount in a short period of time, just never stop thinking of the possibility that you can.
We have listed the top 3 ways you can make $100 from your phone to kickstart your journey to earn online.

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How To Save When You Shop

By: American Benefits Alliance


Some call shopping a necessary evil, and maybe it is so, for them. Looking at things in such a manner can make you feel restricted and can take the excitement out of the small things in life that excite you.

With that in mind, we all know shopping can be detrimental to your budget. So what is the middle ground you have to reach to have an enjoyable experience, not worry a lot about the finances and get everything necessary?
We have listed a few ways you can save money when you shop the next time.

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4 Ways To Save Even When Money Is Tight

By: American Benefits Alliance

When you are already tight on your budget, it is not easy to find supplementary ways to save money. But it is always crucial to set aside a little amount for the future or any foreseen occurrence, regardless of how much income you are presently bringing in.

So, if you're wondering how to save money while living on a tight budget, here are four ways to help you out.

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3 Tips To get interest-Free loans

By: American Benefits Alliance

Sometimes you face a financial crisis or any emergency that requires a fast inflow of cash. If you’ve been unable to save enough, it means you’re likely to need a loan. Loans have a significant interest in them, and as someone who might not be able to pay this, you will have to find alternatives.

Interest-free loans sound like an impossible dream but surprisingly you can find loopholes to a loan that might just cost you 0% interest. The key here is to keep an eye out for places or plans that require minimum or no interest. We have listed down three ways that you can get interest-free loans when you’re in a bind.

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Best Times of The Year To Shop And Save

Best Times Of The Year To Shop And Save

By: American Benefits Alliance

Who doesn’t like saving and making smart purchases? Getting the best deals for things you’ve always wanted is perhaps one of the most satisfying things you, as a consumer, can experience. That means strategizing. You have to see when the season sales begin, what discounts are specific to certain months and how you can make the most of them.

Read more HERE

How You Can Drastically Save On Your Hospital Bills

How You Can Drastically Save On Your Hospital Bills

By: American Benefits Alliance

Medical bills can be a source of financial difficulties for people and are known to be one of the major reasons for bankruptcy in the US.
However, relaxed insurance plans and improved government legislation has helped drop this financial burden. As an individual looking to save on your hospital bills here are some things you can personally change in your lifestyle to avoid heavy hospital debt.

Read more HERE

Are you ready for better,

Ways to save on-the-go?

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