Three Thrifty Guys

In 2003, I first heard about digital banks like Up and Chime and how they were offering so much better interest than all the brick-and-mortar banks. since online banks don't have to pay the fees for renting out office space and paying tellers to work the bank, then this all translates into their ability to offer you higher interest on your savings. Over the last 10 years, as the Fed has dropped Prime interest rates to near zero, it makes reducing expenses even that much more important both to you and the bank's ability to offer competitive rates. Your online banks offer the same FDIC security that your traditional banks offer.

A reverse mortgage loan is a Federal Housing Administration (FHA) insured loan for homeowners ages 62 years and older that uses a portion of their home’s equity as collateral. The home must be free from any liens and any existing mortgages must be paid off with the funds received from the reverse mortgage loan at closing. There are generally no credit or income requirements necessary to be approved for a reverse mortgage loan. In the event of death or in the event that the home ceases to be the primary residence for more than twelve months, the homeowner’s estate can choose to repay the reverse mortgage or put the home up for sale.

We recommend solutions like QuickBooks Online for more advanced businesses or MYOB for those looking for a greater amount of automation with their small business accounting software. Small business accounting software makes these government-mandated reports easy to get through, and many of the steps are actually automated and calculating in the background as you work through other tasks. Your DIY solution to small business accounting might actually be to outsource the work to a professional, or even work together with this professional on your accounting responsibility. Don’t let your small business be an easy target for wrong-doers and get on top of your accounting security so that your revenue, employees and business future remain in safe hands.

: Once the lease period ends, you can go ahead and get a new vehicle again on lease. The contract: Once you get a vehicle on lease, you don't have the option to cancel it or walk away without incurring hefty fines. There's no mileage limit: If you want to drive a vehicle without having to worry about mileage, buying it is the best option for you. You have to pay a hefty amount upfront to buy a vehicle, and the monthly payments are typically higher than when leasing.