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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

Why You Should Own a Debit Card

A debit card is a physical card used to make purchases online or even in-person by spending cash from your checking account. If you don’t have a bank account, you can try a prepaid debit card.If you use a credit card, you can make a purchase now and pay later.

August 27, 2022
Richard Samuel

How to Open a Student Bank Account ?

Many banks offer general accounts that can be used by college students as well. It’s advisable to research and find out the right account with the best policies, features, and rates. Most students stumble upon overdraft fees, and sadly, they are the most expensive fee.

August 27, 2022
Richard Samuel

Benefits of REITs: Advantages of Real Estate Investment Trusts

REITs became widely popular because they integrate the key elements of real estate and stock-based investment. REITs are companies that own and manage real estates that would generate income. REITs allow you to invest in commercial real estate property without literally buying and managing those properties on your own.

August 26, 2022
Richard Samuel

Roth IRA: A Guide to Tax-Advantaged Retirement Savings

The returns you earn on a Roth IRA rely on the investments you choose. The Roth IRA invested in a diversified portfolio would increase over four times. If you wish to access an extensive set of investments, you must choose to invest at a brokerage firm and not a bank.

August 26, 2022
Richard Samuel

How to Invest in REITs: Strategies for Real Estate Investment

It would take just a few minutes and you would be allowed to buy and sell REITs. Returns from REITs are relatively more than equity indexes and also help the diversification of the portfolio. Publicly traded REITs can be purchased and sold effortlessly.

August 26, 2022
Richard Samuel

6 Ways to Improve Online Banking Security

Use secure internet networks, have strong passwords, and choose a bank or credit union that uses top-class security technology. Banks and credit unions have policies to keep online customer accounts secure to safeguard your cash. As an account holder, you also have to ensure that your account is protected on your computer and other devices.

August 26, 2022
Richard Samuel

Why ‘Buy Now, Pay Later’ Is a Bad Idea: Exploring the Risks

If you continuously rely on the Buy Now Pay Later (BNPL) method for your purchases, you might have to change your plans to survive 2022.

August 23, 2022
Richard Samuel

Why Personal Checks Are Still Relevant in the Digital Age

Checks work like debit cards, but transactions don’t happen in an instant. You can avoid convenience fees entirely if you make payments by writing a personal check. For large purchases, a cashier’s check is a secure option.

August 22, 2022
Richard Samuel

What You Need to Start a Bank Account Online: Step-by-Step

Before you start applying, you must have clarity on what kind of account you need. The FDIC safeguards your money if the bank fails. After you open an account online, you would be required to make an initial deposit.

August 22, 2022
Richard Samuel

Why finding the right bank is important

Before choosing a bank, you should be aware of the bank’s practices. Banks that use advanced technology can lend you a helping hand in numerous situations. Asking people who already manage several bank accounts would also give you more clarity.

August 22, 2022
Richard Samuel

Joint accounts: All you need to know

A joint bank account would work well provided you and another account holder have a trustworthy relationship. Couples can opt for a joint account as it would make it easy to share the expenditure like rent. If you’re opening a joint account with your spouse, you don’t have to close your individual account as it can always have some money for personal expenses or even giving surprises.

August 22, 2022
Richard Samuel

Investment Advisor : Why You Need Their Expertise

It is always advisable to consider finding a registered investment adviser who can lend a helping hand, instead of trying to figure it out without assistance.

August 21, 2022
Richard Samuel

What to Know Before Investing

Many seasoned investors know if a stock deserves a place in their portfolio or not. You should not be observing only the stock price movements and short-term gains. Invest only if you have enough money to sustain for the next 5 years.

August 21, 2022
Richard Samuel

How to Choose the Right Broker

While there are numerous aspects to assess, the final call would be based on your preferences. It is better to answer a few questions about your investing goals before searching. Most brokers predominantly put forward a fixed menu of investment options.

August 20, 2022
Richard Samuel

What Is a Brokerage

Some brokers might move the trade to an external third-party market maker that does the trading by linking buyers and sellers. Make sure to check the caliber of the broker’s execution before signing up. Some brokers provide resources and tools that would help you in every step.

August 20, 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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