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Richard Samuel

E Richard Samuel loves learning. From finding out the newest food in town to traveling and writing, he loves learning about everything. When he’s not writing, he’s probably trying to master the piano or watching food reviews.

Richard Samuel

How much of my income should I spend on Christmas?

Christmas shopping can drain your wallet before you know it. Understanding the percentage of income that most people spend on Christmas gifts can be helpful to plan for the season.

December 24, 2023
Richard Samuel

How Much will Houses Cost in 2030 – Housing Market 2030 & Beyond

By 2030, it’s believed that a single-family home might cost nearly $382,000 or more. Aspiring homebuyers can take some steps to be in a position to afford a home in the future.

December 7, 2023
Richard Samuel

Better money habits you need right now!

There are plenty of money habits out there. But which ones take the cake when you to deal with good money management.

November 15, 2022
Richard Samuel

How to manage money at every stage of life

Whatever your balance is, set up your strategy so that at any stage in life, you are financially secure. Boost the savings so that your money doesn’t let you down when you need it the most.

November 9, 2022
Richard Samuel

What you can do with $1000 dollars

If you have $1,000 and don’t know how to make the most of it, you’re in the right place.

November 2, 2022
Richard Samuel

Black-Owned Credit Unions: Your Guide to Inclusive Banking

A conventional white family has eight times the wealth of a typical Black family. A Black-owned bank is a regular banking institution where the board of directors comprises African American members. Netflix, Inc deposits 2% of its funds in Black-owned banks.

October 21, 2022
Richard Samuel

Multiple Savings Accounts -How Many Can I Have?

Savings accounts are helpful. But how much is too much? Here's the answer to the question: should you have more then one savings account?

October 18, 2022
Richard Samuel

Should Couples Have Separate Bank Accounts?

Many financial experts will tell you that having separate financial accounts as a couple is critical to a healthy relationship as it builds trust and keeps money out of the equation.

October 13, 2022
Richard Samuel

How millennials can plan for their aging parents

Saving is always a critical factor for millennials, more so when family and aging parents are involved. Don't know where to start planning your finances for them? We're here to help you get started.

October 13, 2022
Richard Samuel

How To Mobile Deposit A Check?

How often are you required to deposit a check? If you ever have to queue up in a line at the bank for a check deposit, remember, there is an easier option.

September 15, 2022
Richard Samuel

How to Budget as a Single Mom: Financial Tips

With a little help from a budget tailored for single parents, anyone can not only pay the bills on time but also save up for the future.

September 4, 2022
Richard Samuel

Does Partial Payment Affect Credit Score? Explained

Partial payments will have a negative effect on your credit score. Even though the creditor might accept the payment, it will be reported as missed or delinquent when you don’t pay the minimum amount.

September 4, 2022
Richard Samuel

Can I Settle for a Fair Credit Score?

The Federal Trade Commission always advises everyone not to believe agencies that guarantee to increase your credit score or remove certain parts from your report. These are scams that would steal your money.

September 4, 2022
Richard Samuel

630 Credit Score: Understanding Your Financial Health

According to FICO, nearly 9% of Americans had scores between 600 and 649 in 2019. If you pay every bill on time and never use more than 30% of the credit limit, you can easily increase your credit score.

September 4, 2022
Richard Samuel

Budget Calendar: Organize Your Finances Effectively

A budget calendar can be used to plan your monthly spending and set reminders for payments.

September 4, 2022
Richard Samuel

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1. Beem's Cash for emergencies or Everdraft™ product is different from cash advance, payday loans, personal loans. Depending on eligibility, Everdraft™ ranges from $5 - $1,000, subject to Beem's qualification terms and policies. Everdraft is part of the product bundle that comes with the Beem's monthly subscription. There are multiple ways to get your funds credited, however when funds are instantly transferred to debit card, a fee of $1-$4 may apply. Most users receive their Instant Transfer within 1-20 minutes. To check the Everdraft™ eligibility, users don't need to have a Beem monthly subscription. Beem doesn't ask for credit score to check the Everdraft™ qualification.

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