Author: The Admiral Staff

January 10, 2024 Off

Navigating Certified Checks: Your Guide to Guaranteed Funds

A certified check is a personal check verified by a bank to ensure sufficient funds are available, guaranteeing payment to the recipient. Banks hold the funds until the check is deposited, preventing the possibility of insufficient funds. They are commonly used for large transactions like down payments on homes or cars and offer a safer alternative to cash. Obtaining one requires visiting a bank branch with ID, writing the check in front of a teller, and paying a fee (typically around $15). While offering security, certified checks have

January 10, 2024 Off

Level Up Your Finances: Resolutions That Actually Work in 2024

By The Admiral Staff

According to a recent survey, popular financial resolutions for 2023 include creating a realistic budget (ideally using the 50/30/20 method), tackling credit card debt by exploring options like MoneyLion to potentially lower interest rates, monitoring your credit report with services like Credit Sesame, securing life insurance (potentially providing up to $1.5 million for your family with Bestow), increasing your emergency fund, and paying bills immediately after payday.

January 9, 2024 Off

12 Ways to Earn From Home: Your Quick Start Guide

By The Admiral Staff

The article highlights 12 entry-level, work-from-home job opportunities suitable for those needing extra income, transitioning careers, or re-entering the workforce. These roles require minimal experience and offer financial stability, including options like virtual assistant, customer service representative, app tester, transcriptionist, tutor, data entry clerk, mock juror, pet sitter, phone mystery shopper, brand ambassador, and search engine evaluator. Pay rates vary, but examples include $24.80/hour for

January 9, 2024 Off

Beyond the Job Board: Supercharge Your Hiring with Job Ads

By The Admiral Staff

To attract more qualified candidates, companies can create and post job advertisements on platforms like ZipRecruiter, which syndicates postings to over 100 job sites. Effective job ads should include a clear, searchable job title, a detailed description of the role, required skills, company culture, benefits, and ideally, a salary range. Boosting features, like ZipRecruiter’s TrafficBoost, can further increase visibility by elevating listings in search results and job-alert emails.

January 8, 2024 Off

The Debt Time Bomb: What Happens When You Stop Paying Old Credit Card Bills

By The Admiral Staff

The letter addresses a reader struggling with old credit card debt and wondering about the consequences of stopping payments on closed accounts. The key takeaway is that while debt collectors can’t sue you after the statute of limitations (typically 3-10 years, varying by state) has passed, they can still report the debt to credit bureaus and contact you. Making payments resets the statute of limitations. While non-payment carries risks like potential lawsuits, negative credit reporting, and accruing interest, the author suggests it

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