Skip to main content

In the Media

5 Signs You Are on the Verge of Falling Out of Middle Class

5 Signs You Are on the Verge of Falling Out of Middle Class

February 07, 2024

I would stress that middle-class people must be on their toes looking for signs of their descent into uncomfortable lifestyles, more so in this unpredictable world economy. They may tell that they are living below the poverty level if they keep using loans to provide for basic needs while ending up with no savings and going deeper into debt.

- Loretta Kilday

Networking and Collaboration: 8 Strategies for Freelancers

Networking and Collaboration: 8 Strategies for Freelancers

February 06, 2024

I joined freelancing groups on Facebook and Telegram several months ago, and I can vouch that this is one of the best ways freelancers can network with clients and others. I have collaborated with other freelancers on a few projects in the last few months. Plus, I have connected with new clients and secured new projects.

- Loretta Kilday

16 Overlooked E-Commerce Laws that Online Businesses Should Know About

16 Overlooked E-Commerce Laws that Online Businesses Should Know About

February 05, 2024

Managing automatic-renewal subscriptions is a critical area that is often overlooked. There is specific legislation in many states of the U.S. This particularly applies to consumer disclosures for these programs. For example, California’s Automatic Renewal Law requires that subscription terms be clearly notified, cancellation procedures be effortless, and confirmation messages must include every detail. This is an important consideration since noncompliance can bring about legal consequences and significant losses.

- Loretta Kilday

Loud Budgeting: Why Experts Recommend Trying This Approach

Loud Budgeting: Why Experts Recommend Trying This Approach

January 31, 2024

Loud budgeting isn’t all about being frugal for frugality’s sake but instead promotes mindful spending,” she highlighted. “It means realizing how much your money is worth and deciding where you want to spend it and not just giving in to societal pressure or impulse buying.

- Loretta Kilday

Current Checking Account Rates

Current Checking Account Rates

January 31, 2024

In a changing banking world, online-only checking accounts usually have better interest rates and lower costs than regular ones. This is because online-only checking banks have less money costs. But, they might not have face-to-face help which can be very important for some bank tasks. People who are online can use banks easily. But, they may not be able to put money in cash and only have a few ATMs available for them. It’s a give-and-take between the easy and more expensive banking online, or the complete services of old banks. The decision depends on your favorite banking ways and how you handle money.

- Loretta Kilday

How Do You Manage Personal and Business Money?

How Do You Manage Personal and Business Money?

January 30, 2024

Handling personal and business finances is a strategic, disciplined process. Consider obtaining an Employer Identification Number (EIN) from the IRS. It is not necessary for sole proprietorships, but it can help keep your Social Security Number private while making business banking easier and loan applications less complicated.

- Loretta Kilday

Kansas Couple Faces Homelessness Over 'Deceptive' Housing Contract

Kansas Couple Faces Homelessness Over 'Deceptive' Housing Contract

January 30, 2024

This form of deceit is particularly rampant when there is a high demand for housing units whereby landlords or sellers feel obligated to overexpose their properties. By misleading renters, this practice also compromises the integrity of the real estate market, thereby eroding trust and competition.

- Loretta Kilday

7 Lessons Learned from Personal Money Management Mistakes

7 Lessons Learned from Personal Money Management Mistakes

January 26, 2024

One personal money management lesson I learned from my mistake is that I should never cosign a loan. My friend assured me she would repay the loan. I was relaxed. She made monthly payments on time for the first few months. So I stopped keeping tabs on the payments. But after nine months, creditors started calling me for payments. My friend had stopped making payments after six months. She also stopped answering phone calls at that time. As a result, creditors began contacting me for payments. The missed payments tanked my credit score, and I eventually had to pay off the debt.

- Loretta Kilday

9 Saving Tips If You Direct Deposit Your Paychecks and Your Salary Is Over $80K

9 Saving Tips If You Direct Deposit Your Paychecks and Your Salary Is Over $80K

January 24, 2024

For starters, consider the option of getting your money from a paycheck into some savings or money market account. While this approach enables your money to begin earning interest from the very first day, it also incentivizes prudent budgeting habits.

- Loretta Kilday

The Future of DeFi: 8 Business Leaders’ Perspectives

The Future of DeFi: 8 Business Leaders’ Perspectives

January 18, 2024

Decentralized finance is a game-changer for businesses, especially if it can democratize access to financial services. DeFi’s primary appeal is based on the absence of centralized control and the use of blockchain technology to ensure secure, peer-to-peer transactions. Thus, this approach can change how businesses meet their capital needs, handle transactions, and interact with financial systems.

- Loretta Kilday