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January 27, 2024
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The Admiral Staff
This article provides 19 inexpensive ways to stormproof your home, focusing on preventative measures and budget-friendly solutions. Key tips include ensuring you have home insurance, assessing flood risk, securing outdoor items, trimming tree branches, caulking foundation cracks, and installing a sump pump. Other suggestions involve elevating utilities, channeling water away from the house, using rain barrels, protecting pipes, cleaning gutters, and preparing for electrical storms. The article also emphasizes the importance of securing windows, protecting heavy objects, staying
January 26, 2024
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The Admiral Staff
Discover Bank is the online banking arm of Discover, known for its credit cards. It offers checking (Cashback Debit account, currently not accepting new applications), high-yield savings, and money market accounts, all with no monthly fees or minimum balance requirements. Discover also provides CDs, retirement accounts (IRAs), and various loans (home, personal, student) with transparent costs and no origination fees. The bank boasts a well-rated mobile app, a large no-fee ATM network, and
January 25, 2024
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The Admiral Staff
This article outlines six strategies for individuals, particularly those in their 50s, to improve their financial situation. These include: reducing credit card interest through MoneyLion, lowering car insurance costs with EverQuote, investing in gold via Lear Capital, earning money by taking surveys on Branded Surveys, receiving cash back on purchases through Rakuten, and acquiring free stock by opening a SoFi Invest account. The article emphasizes that these steps are relatively easy to implement and can lead to significant savings and increased income
January 24, 2024
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The Admiral Staff
Neobanks, also called “challenger banks,” are technology companies offering online banking services through apps and websites. They aim to simplify personal finance with lower fees, better interest rates, and convenient digital access. While they aren’t traditional banks (lacking a bank charter and FDIC insurance directly), they partner with established banks to secure customer deposits. Key pros include fee savings, competitive rates, and convenient mobile management, while cons involve a lack of physical branches, limited services, and the relative new
January 24, 2024
By
The Admiral Staff
Wells Fargo offers personal loans up to $100,000 with a capped APR of 23.49%, which is competitive compared to some lenders. Existing customers benefit from a relationship discount and convenient features like automatic payments and quick funding (often same or next day). They also offer small “Flex Loans” of $250 or $500 to eligible customers. However, Wells Fargo faces challenges including a history of fraudulent account practices, less-desirable banking account
