8 Top Companies to Get Personal Loan

Many a times we are in need of money and go for the option of taking a loan. One of the worst thing that people do when they are in need in cash is that they just go for the first company that is providing them the loan and then they end up in heavy loan with high interest rates and high monthly payments make it difficult for them to make a living. You can save a lot of money when you do a little bit of search and by this simple research you can get a lower interest rate and a lower monthly payment that can help you to increase your credit score when you pay the low amount at time.

Personal loans are far better than the credit card debt because personal loans have much lower interest rates than the credit card debt and it is also easy to pay it off. That means you can get rid of personal loan much faster than a credit card debt.

So today I am writing this article to provide you a list of companies that can fund you low interest rate debts. These companies do not charge any hidden fees and are easy to use. In some cases you may have to pay application fee and origination fee but even paying this fee could be a win situation for you as you are still saving a lot of money. So let’s start from the 1st company,


1- SoFi

SoFI is one of the pioneers and leading company to provide financial service. This company is very famous and trusted a lot by its users as it has a trust pilot rating of 4.8 out of 5. With this company, you can get low interest rate debt without paying any hidden fees. You can get a loan in between $5,000 to a 100 thousand dollars for a time period of in between 2 to 7 years. Along with all this you can even avail discount on interest rate if you choose to pay through auto pay.

SoFi also offer job loss protection and you will not have to pay in debt in the time of no job. SoFi will help you to get a new job but in all that time, only your payments will be suspended and you will have to pay the interest rates eventually. This can last between 3 months to a year. This type of benefit is not available in other cases.

You can use SoFi to get money in the form of personal loans and other than that you can also take loans to refinance your student loan and home mortgage etc. You can get any type of consultation or loan without paying any kind of fee like the origination fee and the application fee.


2- Credible

One of the best online financial service providers is Credible. They are very famous among their users because of the low limitations and requirements and has a trust pilot rating of 4.8 out of 5. This website has a search engine where you can search for the lowest interest rate. You can get rates form 11 different lenders and you can also get discounts when you choose the auto pay option. Along with all that you can get loans to refinance your credit card debt. You can also use this site to refinance your student loans whether it is a federal one or a private one.

On credible you can take a maximum loan of $100,000 and you can avail loans for different time periods of 2 to 7 years.


3- Upgrade

One of the best rated platform to get a personal loan is Upgrade with a high trust pilot rating of 4.8 out of 5. This is a slightly new company as compared to others in the list but you can still one of the lowest interest rates on this company. You can take a minimum loan of a thousand dollars to a maximum of 35 thousand dollars. You can take a loan for 3 years to 5 years.

The process to take a loan on Upgrade is very short and simple and you can get your funds with-in a day as you get approved. You can get a loan with low annual percentage rate with your own payment schedule. These features makes it one of the best and flexible loan providing companies.


4- Light Stream

Light Stream can provide you one of the lowest interest rate in the market. You can simply get a low rate by searching on their site and you can also get discount in these rates if you subscribe to auto pay. This company has a trust pilot rating of 3.7 out of 5 and it is one of the branch of the Sun Trust Bank. You can take a maximum loan of $100,000 and depending upon your debt amount you can choose different plans from 2 to 7 years and even 12 years if you are taking a loan for home improvement. If you got a good credit score you can get a loan with fixed annual percentage rate. If you want to take a loan with a fixed APR then there is a requirement that you should take a loan in between 10 to 25 thousand dollars for a time period of 24 to 36 months.

This can be a good site if you want a personal loan and other than that you can also use this site to refinance your debts. A benefit of this platform is that you will save an APR of 0.50% just for choosing auto pay.


5- Payoff

One of the famous companies to get personal loan is Payoff and you can get a loan of maximum 35 thousand dollars with in a period of 2 to 5 years. This site is trusted among its users and have a trust pilot rating of 3.2 out of 5. The process of taking a loan from Payoff is very simple and easy and you can just apply within minutes. This company also specializes in refinancing credit card debt and has paid more than 100 million dollars in debt consolidation.

There is no hidden charges and fee on this site and you only have to pay origination fee. Another benefit of Payoff is that you would not get any extra fee even if you choose to pay from a paper check. Along with all these benefits, this company also offers job loss support that means that if you lose a job this company will not take debt amount in those months and will support you to get a new job. With all these benefits this could be one of the best choice if you want money under 35 thousand dollars.


6- Lending Club

Lending Club is one the famous peer-to-peer lending services company. This company also offers loan for auto refinancing. You can take a loan of amount up to 40 thousand dollars for a period of minimum 3 years to a maximum of 5 years.               The process to apply is simple but it can take a week because this company performs an inquiry about your details and your credit card history. Here your credit card score plays a vital role. You can also use this site to take small business loans along with personal loans.

Lending Club does not have any extra fee but they do charge an origination fee of 5% of your debt.


7- Earnest

Another platform to take personal loans is Earnest. This is one of the sites where you can take a loan as high as 500 thousand dollars. The company has a high reputation among its users and is rated 4.7 out of 5 on trust pilot. You can get these loans for a time period of minimum 3 years to a maximum of 5 years.

When you apply for a loan, this site does not solely looks upon your credit card history unlike the others but it makes a deep study of your job history, saving history and experiences to help you get the lowest possible rate. This site can also be used to refinance your student loan and other loans with low interest rates. You can earn discounts by choosing the auto pay option on Earnest.

You can get an estimate of interest rate for free without disturbing your credit card score and you can also get fixed interest rate for a time period of 3 to 5 years.


So these are some of the best companies from which you can get a personal loan on low interest rates. Many a times it is best to consolidate your debt with personal loan instead of asking a refinance company because your personal loans can be at least 10% to 15% less than the one you are paying. The companies listed above can provide you with one of the best options in terms of low interest rates for you with your provided option. Make sure you take an advantage from it. Do comment in the section below and let us know if you have any queries because we would love to hear from you.

How To Save Significant Amount Of Money By Taking Advantage Of The Free Stuff

I came across this infographic by JustFreeStuff and it is amazing for saving money, I will use these tips myself.

It is hard for an average consumer to not notice tons of advertisements flashing free stuff in their face all over the internet. However, sometimes the devil is in the details. There have been some cases where such free giveaways have turned out to be too good to be true. Signing up for these freebies can be a seriously frustrating experience if you are not prepared.

There are many consumers like you who do not take the advantage of hundreds of free product samples being given away car by companies due to the scary stories they have read about harrowing experiences of others.

It is true that there are quite a few illegitimate offers on the internet that advertise free stuff. But a big majority of these offers are legitimate and you need to do a little preparation to take advantage of these offers. It is important to keep in mind that most of the free offers have some strings attached. Sometimes, you may need to fill up a survey or participate in some other offers to get free stuff.

However, such things should not discourage you from getting freebies. Here are a few tips to help you prepare and protect yourself when getting stuff for free.

First of all, you need to have a separate e-mail address that will be used for these free offers. You can easily open a new e-mail for free on many of the free e-mail services on the web. Once you sign up, you are likely to get tens of e-mails on a daily basis from companies offering such free giveaways.

It is not necessary for you to check this e-mail on a daily basis. You can just check it once every week and read more about the offers you may be interested in.

Some of the legitimate offers may also require you to give credit card information. Be careful not to give away your main credit card information. You can easily buy a prepaid credit card and use that card for these free offers. This will help you in keeping your credit card info safe.

Also, there may be offers where you may be asked to provide your mobile number. It is recommended to get a separate prepaid phone and use that number for the offers. These prepaid phones are cheaply available everywhere and you can keep it switched off after signing up for the offers.

It is important to keep a detailed account of the offers you have signed up for. It will help you in separating legit companies from scammers. It is also important to complete all of the requirements of an offer to get the free stuff. Always read the fine print before signing up.

These are some of the tips you need to keep in mind to take real advantage of these free offers. It is possible to save significant amount of money by getting free products.


12 Effective and Easy Methods to Save Money

Saving money is not a cup of tea to drink it is a process of patience and hard work.  You should have a strong determination of saving money to achieve your goals. I am sure everyone in town wants to save money and achieve their goals but it seems very difficult to them so they do not get what they want. Here in this article I have come up with ideas that will help you to save more money in an effective and easy way. Many of the people who want to save wants to know how they could save so here are the tips for you in this article. These methods will help you to achieve your goals and it will give you a road map for money saving. To change your financial aspects and to get out of debt it demands hard work. You have to work had to achieve your aim so starting from the 1st method,


1- Invest

Investing your savings should be your first priority. You can invest your money on online banking apps, Betterment is the best option I would give it to you. Betterment is an online investing app that has a system where you can put your money and the system will automatically invest your money through online computer based advices. These app never gives you a loss and you can easily earn on your invested amount. You can also connect your bank account with these apps so every month a fixed amount of money will be deducted and invested from your account. These types of apps are free and easy to use. So this becomes a better and easy way to earn on your invested money.


2- Bank Account

Do you know the banks earn from the money you give them and they even charge you for the money you give it to them in order to keep it? Why should you give your money and also pay for that? There are a lot of banks that offer free banking and free checks so make sure you find one. Make sure you check your bank account on regular basis so that you could know that if the bank is cutting any fee or so?  You should check your bank account often to check how much you have spent and how much you are left and are you going out of budget. You can get many benefits just by checking so you should do so.


3- Make your Budget

To keep a track of your spending you first have to make a list of where are you spending your money. Making a budget is very important for a person who get paid every month. It is important that you should make a list of items or things where you have to spend and you should follow that routine strictly to save more. When you are making your budget make sure you exclude extra things to save more. You can also get helps and advice from online tools to make a good budget.



4- Check where you spend.

To keep a track of where you are spending your money is very useful because by tracking your spending you will get to know that where are you spending and are you following your budget. If you do not make a check at your list then you will surely break your budget very soon so to keep you on right track and to increase your worth this is very important that you regularly check where are you spending your money. You can take help from some of the online applications that are completely free!



5- Save the Change

You will be amazed to know that how much you could save from your change in a year. Many people like us do not give importance to the left change when they do shopping, this is because they think it would not give them much. You should keep a Jar or a Cup or something like that to keep the change and every day when you return you should put the change in it. After some days or a month get the jar out and you will be amazed to see what amount you have saved. You can give your change to bank and get cash and spend it where ever you want.


6- Saving Goals

To have a strong determination for saving it needs a goal. When you have a goal to achieve something you can then easily challenge yourself to get that. Goals help you to achieve something in time because it has an effect on your mentality. You know that you have to fulfill a certain task in some time and you then try for it.


7- Do shopping with Discount.

Everyone here need to do shopping for some cause. Many a time you have to do shopping for things that are necessary. Shopping on online stores is quite easy and it gives you more discounts then you can find in the malls. There are many online stores that offers a lot of deals to you while you are shopping from them. For big stores like Amazon you can have cash back and discounts in many ways. There are many tools and websites that help you to find free coupons, deals and discounts on many stores. There are many website that pays you cash back on shopping you do. You can get more discount by paying through your credit card then in cash because it is easy for the merchant and due to number of stores and the competition you can get the most discount while shopping online. So you should spend some time to search for the best offer.


8- Do not Buy New Things.

To buy new things you have to pay for the taxes and other payments. But if you choose to buy old items it gives you a lot of benefits. Although many people like me would love to be the first owner and would love the smell of a new item. Yeah this is with some people but you should change your mentality in order to save so. You can check Craigslist for this option and you can find many of the offers and items there for a very less amount. Craigslist is a store where you can buy old and used stuff. Buying used stuff will help you to save on shopping new things. For example buying used cars can give you benefits like you will have to pay 30% to 40% less on the original amount and you will get to know about the car easily.


9- Repair your item

Throwing your broken and damaged items and buying new items is never a good option if you have saving goals to achieve. You should change your approach and try to save money and should repair your item yourself or get repaired it from someone else in an amount less than you pay or a new one. Websites like YouTube has made this easier because you can easily get a solution to repair your item especially for electronic components for free. Although the manufacturers do not build products that can repaired now a days and used the products that can be recycled but there are some products that could be repaired so instead of buying you should repair and this approach could help you to save more.


10- Do not Buy items, Borrow them!

Buying new items all the time is not a good thing for your money saving goal. Many a times when you need an item but it costs much more than your budget then you should look for renting the item or when you need a product for only some short time then you should also go for renting. To save more you should ask your friends and neighbors for the item and can borrow from them. Suppose you need a chainsaw for cutting woods but this is a thing that you do not need on daily basis so you should ask your friends and neighbors for it and do your work with chainsaw on a weekend and return it. To make sure that your friends and neighbor give you things to borrow you should respect their things and do care for them as you do for yourself.


11- Replace Your Bulbs

Do you still use electronics products that consume a lot of energy or do you still use that old bulbs? If yes then you are not doing well with your saving goals. To save more money on your electronics bills you should change your old appliances with new less energy consuming products like you should change your old bulbs with the new LEDs. Although you will have to invest some on shopping but the amount you will save will be much more than you invest.


12- Skip the Dryer

Do you use a dryer and even have a space in your house where you can dry your clothes in fresh air? If yes then you are wasting money you should skip your dryer in sunny days because you should use the fresh air to dry your clothes. This simple method will help you to save a lot of money in every month and you will feel the difference in your utility bills.



So here are the dozen methods for you to save money today and you can start saving by implementing these simple methods. Do comment in the comment section below and also share your experience of saving money from any of the methods I have told you above.


7 Effective Methods of Saving on your Utility Bills

Do you pay thousands of dollars in your monthly utility bills and it is driving you crazy to fulfill this then you must read this article till end. Today I have come up with 7 tips that will help you to save hundreds of dollars every year or more if you are a big energy consumer. I will tell you about some simple hacks that by applying will save you a very big amount every year. You could have to invest in the form to buy products that would consume less energy. You can avail government offers on that so you could have to spend less and save more. So these simple type of tricks can help you to save a very big amount.

1- Unplug your appliances

There are many devices that use much energy even when they are not working. Many of the devices in our home consume energy even when they are on standby mode this is because they consume that energy in order to work instantly as you power them on. The thing you should do here is that you should apply a surge protector to avoid this loss and unplug all these kind of appliances whenever you are not using them these devices include chargers, TVs , coffee makers, toasters ,blenders and your gaming stations. To avoid this loss you should unplug these devices as you are not using them or try using surge protectors which help you to save more. If you want to know how much does it cost when a device is plugged in and you are not using it then bring a Kill A Watt. This device when plugged in the device will tell you how much you are spending on it. For this you have to put the energy rates per watt in this then you can easily get to know how much you are losing here. You can save up to $1000 a year from this simple hack. Please keep in your mind that devices like Cable boxes and desktop computers take much energy to power on when they are plugged out compared to the energy when they are plugged in. so it is better to keep this type devices plugged in because in other condition it will not give you a profit.


2- Water Heater

Everyone uses a water heater and in winters it is a basic need of every people. The first trick you have to do with your water heater is that you should wrap the heater with an insulating material so that the outside temperature or atmosphere would not affect your water heater or you can put your water heater in a place where outside temperature would not affect it all. Secondly, the thing you have to do is that keep your water heater at 120 degrees or below instead of keeping that at 140 degrees. At 120 Degrees you can get a fairly heated water in your house which can be easily used for bathing or cleaning. Any how this simple trick will help you save a lot. Now some of us would say that keeping the water heater below 140 can cause bacteria. Yes this is the case but it is only with the electric heater so it is totally optional to you but applying these simpler trick to your water heater you can reduce your utility bill up to 10%. Yes I know you will be amazed but this simple trick will help you to save up to 10% every month on your bill.


3- Cover your windows.

By covering your windows it means that you should not let the outside atmosphere hit you inside in the winter or even summers. You can fill up the cracks of the windows by very simple and easy steps and either you can cover them with curtains and plastic paper sheets by this you are blocking the cold air of outside from coming inside your house. This will cause less load on your heater and you will save. In case of summers you should close your windows properly and should not let any crack or point from.com where the cold air could slip out, you should close the space between the floor and the door to avoid leakage these steps will put less load on your air conditioner and you will save. By doing the steps mentioned above in summers or winters you can save up to 20% on your utility bills. Isn’t it is amazing that applying a very simple hack you have saved 20% of your cash back from the bills.


4- Ceiling Fan

Using a ceiling fan in the house could become a very good energy saving decision because the amount of energy it consumes is much less as compared to the amount consumed by air conditioner or applying the ceiling fan in the room can help you to circulate the cooling in the room or the space acquired by it. This flow of air in the room can make your air conditioner more efficient and it can make its life easy. Another facility that a ceiling fan can provide you is that you can use a ceiling fan more frequently than the air conditioner because many a times it works very effectively according to temperature. You can use the ceiling fans in winters too by reversing the spin of the fan it will give you warm air instead of cool air and you can keep your house warmer in winters by applying this simple hack. You can program your ceiling fan with your automatic thermostat. This will help you to save more in a year. So these hacks from a ceiling fan can help you save much from your utility bills.


5- Repair your insulations

Insulations are very easy to install and it does not cost much to buy them. Keeping your insulation can save you up to 15% from your utility bills. Yeah 15% percent, insulation helps your air conditioner to work more effectively and it stops any leakage if there is any. If you cannot buy a new insulation you can do it by spray foam that will work effectively. By applying this hack you will check the difference yourself in a month in your bills. Suppose you saved $12 a months that means you saved $144 a year so putting some investment in this can save you very much.




6- Keep your refrigerator full 

You will be amazed to know that keeping your freezer and refrigerator full can help you save money. You would be thinking how? I will tell you when your freezer is full it takes less energy to circulate the cooling around the unit. So keep it full. You can do it by putting water bottles in to the freezer when you are not putting food and other beverages inside the refrigerator. When your freezer become full it will help you to save. One thing you must keep in mind is that you should not open the freezer often because it leaks more cooling.


7- Try to save through other means

You can save more by switching to options that does not use energy this may include that you should skip the dryer option and dry your clothes in the sun by hanging them outside and you can also switch from using the blenders by doing it from your hand. You can also save by not using the electric can opener and using your hands and old methods to open that. You can also do simple things like using the washer and dryer in the night instead of morning because in the peak time the energy costs are higher than the normal time. There are many simple methods like that from which you can save hundreds of dollars a year.


So these were the 7 legit and effective hacks that will help you to save money on your utility bills. All the hacks are effective and you will save hundreds of dollars a year and more yes if your energy consumption is much more than I stated above. You can use your saved money to invest or you can use you saved hundreds of dollars to go to a vacation or you can buy something you wanted. You can also use this save money to buy products that consume less energy and you install them. Yeah now money saving is very easy. Do not forget to comment in the comment below section and do share your experience of saving money from the utility bill from any of the stated above methods. I am sure you will save a lot and also share your road map with us that how you saved that money.

The 8 home things everyone should clean

No matter how busy people are keeping their home clean is a priority. There is a certain time in the week, devoted to domestic chores. However, many people make a major mistake during the cleaning session. Intentionally or not, we often stick to the same domestic chores, which means that some area of our home remain neglected and the bad thing is that these are sometimes places or item that we constantly use in our daily life. With time they gather a lot of grime and become a home to different types of bacteria. Of course, one shouldn’t get obsessed with cleaning. Including these areas in the cleaning process from time to time is more than enough.


Those are the areas in every home that in my opinion, everyone should clean.

Mattress and pillows

Ideally, the mattresses should be cleaned once in six months. With time, they become a suitable environment for dust mites and bacteria, invisible to the human eye. This may expose the health of your family to a risk of asthma, bronchitis and respiratory infections. The same holds true to the pillows as they collect dead skin, sweat and dirt. Check the labels and wash twice a year as recommended.


Doors and door knobs

If you have kids, the sticky fingers on the doors are certainly not something new. Most of the people wouldn’t bother themselves to wash the doors during the regular cleaning session. Yet, doors and door knobs are constantly touched by at least two people, which means bacteria can easily make its way to them. For this reason, all doors, door handles and knobs should be cleaned once per month.



Unsurprisingly we start with the floor coverings. You may say now that you hoover diligently the carpets every week but the grime can actually be eliminated only through a deep overall cleaning. Whether you will tackle this duty on your own or hire a professional for a carpet cleaning care, I strongly advise you to wash the carpets entirely on regular basis.


Behind and under the fridge

You probably haven’t thought of it but every time you take something out of the fridge or just walk around a lot of small crumbs and dust build up under and the fridge. Next time when you grab the vacuum cleaner, move the fridge and hoover thoroughly the area under it. Don’t miss to hoover also the refrigerator vent. The grime gathered there can make is work less efficiently, which will increase your electricity bill.


Light fixtures

Overhead chandeliers gather dust and dead bugs, which is not only unhealthy but also reduces significantly the light. Clean the light fixtures disconnected from the power supply. Gently remove any parts and wipe them with a damp cloth and soapy water.


Remote Control

Another commonly used device in every home. Staying constantly on the table, the remote control easily becomes covered with dust, which we spread around with our hands. To avoid this, wipe the front and back of the device once per week. Pay special attention to the area between the buttons.


Shower curtains

Due to the moisture in the bathroom, these are a breeding ground for mildew stains. The good news is that you can restore the clean condition of the plastic shower curtains by washing them in the washing machine.


The toothbrush holder

Every time you put your wet toothbrush back in its place, liquid is trickling down to the bottom of the holder, making it humid and dirty. This means that the toothbrush handle is full of bacteria, which easily makes its way to your hands. You should clean with hot water and your preferred solution the toothbrush holder once per week.

I Just Felt A Little Bit Of My Soul Die #Blogger

So yeah, I do follow links for a price.

I’m not proud of it but you want to pay me £50 for a cut and paste job, or £75 for me to write a load of shit for ten minutes to insert your link into, why would I turn you down?

I’ll do it.

I’m not sorry because I need the cash and let’s face it people, it’s either this or I work up Lidl (Actually, I applied and they didn’t want me. Nor did Asda. I failed the online  application test. For Asda).

You will occasionally see things appear on this blog with a link to some loans company or a private health care provider. Or anyone who will pay me. I have few morals and I am not too proud to sell myself for a few quid into my paypal account. 

We all have a price.

Mine is “SHIT, the nursery bill is coming up, I need £200” or, “FUCK, it’s the teenagers birthday next week and he’ll want a curry ordered in”.

I wish I could afford to have morals. I wish I was one of those writers who says, “I would never write anything for a payday loan company because they rip people off.”

I have to and it’s shit. I have to to stop myself borrowing from a payday loan company somehow, so selling links is the solution (I wouldn’t by the way, payday loans are the Devil).

I’m a blog whore. 

I am the internet equivalent of a hooker leaning into your car window. Sat here at my desk (kitchen table) saying , “cor Mister, that’s a nice loan company you’ve got. Let me make up a story about how my boiler blew up for fifty quid.”

I will flog anything you want me to. Here, have my soul for £100, because the microwave broke last week. 

So, I post these random blogs and forget that they are all connected to my Twitter and that means that people will read them. I also forget that a few thousand people thankfully, wonderfully subscribe to my site via WordPress, so they will get an email notifying them of my shame.

Friends are usually a bit perplexed by the random posts.

“What do you mean you needed to borrow money for your brother’s wedding? You don’t have a brother?” They say, looking at me intently to see if I have finally cracked.

Other bloggers roll their eyes and scroll on.

The bloggers with morals tut, and the other skint bloggers send me an email saying, “pass them my way, love, I’m short of shopping money this week.”

How To Maximize Your Chances Of Receiving Free Samples

Requesting free samples on the Internet is a fairly simple and straightforward task. However, if you have ever waited the required amount of weeks only to find an empty mailbox, it can be a real letdown. Luckily, there are a few steps you can take to maximize your chances of actually receiving the samples you request.

Samples are offered on a first come first serve basis and there is usually a certain number of samples being given away for free. To ensure you will be one of the first ones, sign up for the free samples right away. Scout for free samples every day online and don’t hesitate because if you wait too long, the quota may have been filled and your samples will not arrive.

Take steps to ensure you are signing up for a legitimate sample deal. Oftentimes, free sample websites do offer samples on websites that aren’t theirs, but if the website is filled with advertisements and offers to sign up for, it can be a sign they are just harvesting your info and all you will receive is junk mail. One way you can stay safe for sure is to only request samples straight from the manufacturer’s website.

Follow the rules exactly as they are outlined on the website. Some samples will be limited to one per household or some samples are only available to people of a certain age group or location. Don’t ignore these rules because following directions can be the difference between receiving the samples you requested or an empty mailbox staring back at you.

Make sure you completely fill out the mandatory fields in the sample request form. Usually, a name, address, email and phone number are required. In some cases, you may also be asked to fill out a short survey, a poll or play a game. It is important to complete these tasks if you wish to receive your sample. The more you do, the better your chances of actually receiving your freebies.

Though it may seem obvious, double check your submission for any errors. Something simple like a mis-typed house number can prevent you from receiving your requested sample.

After you submit your information, there should be a confirmation page. Pay close attention to this page because it will usually tell you that your info has been submitted to the company and it will give you an estimate of how long it takes for the sample to arrive. If you have missed something, the last page will usually let you know and give you a chance to correct it.

Keep checking your mail to ensure your free sample arrives. The packaging may sometimes resemble junk mail, so be careful not to accidentally throw your sample away. You may even go as far as following up with a company if you haven’t received your sample in 6 to 8 weeks. Just go to the company’s website and use their contact info to let them know about your issue.

8 Best Apps Which Gives You Free Gift Cards

The truth is that each and every one of us loves to earn some extra cash from our daily habits
and hobbies. Either it’s a cash or the next best tantamount, gift cards.
Are you using any of these applications to earn free gift cards?
If NO, then you can start getting paid for doing those activities which you are already doing
online. If the idea of getting paid for doing those activities which you are already doing online
sounds amazing then you need to stick to us and take a look on these apps.

Let’s get started!

1. Swagbucks

With Swagbucks you can easily make money by completing a large variety of tasks. You can also
earn free gift cards with Swagbucks and here are some of those ways through which can earn
free gift cards from Swagbucks.

 Surfing the web
 Shopping online
 Completing surveys
 Watching videos
 Playing games
 Testing new products

You will earn reward points in return for completing every single survey with Swagbucks. The
points you will earn as a reward for completing surveys can be redeemed for gift cards for your
favorite restaurants and stores for $3 only, and not only that because you can also redeem your
points for PayPal cash.

2. Pinecone Research

Pinecone Research is another survey site that allows you to connect with the other users. Each
and every time you will test a product, complete a survey and collaborate with the other
Pinecone Research members you will earn points in return for completing these tasks.
Pinecone Research is also known as one of the largest survey apps and it is routinely partner
with some of the most well – known household brands like CBS, Disney, Expedia and Proctor &
If you are willing to be a brand influencer then enjoy collaborating with other members online
and having the possibility to win weekly prizes and earn free gift cards.
Pinecone Research might be the great option for you!

3. Earning Station

If you are a habitual user of Earning Station and you want to earn bonus because you use the
application on the routine basis then consider that the luck is on your side because Earning
Station offers an Earning Streak bonus.
You can simply earn a dual bonus by visiting Earning Station consistently for 10 – days up to
quadruple earning bonus by visiting back to back for 50 – days and completing numerous daily
tasks such as participating in the daily poll, survey, video and email.
Apart from all of the other daily points possibilities, you’ll be also able to earn reward points by
completing the below mentioned offers:

 Playing GSN games
 Entering bonus codes
 Reading sponsored email
 Shopping on Groupon

As soon as you will reach the $10 limit you can also start redeeming your points for gift cards.
According to an announcement of Earning Station, there are many members of Earning Station
who earns more than $100 a week through all of the regular offers.

4. Survey Junkie

Survey Junkie is known as one of the highest rated and well – known survey sites. Survey Junkie
has more than 3,000,000 members and it has many 5 – star Trustpilot reviews. As a matter of
fact their overall Trustpilot rating is 8.6/10. And the best thing is that it is totally free to join.
For completing every survey with Survey Junkie you will receive points which you can exchange
for gift cards and cash.

5. Receipt Hog

Receipt Hog is one more application which makes it easy to earn reward points on every
purchase you make, those point can be redeemed for gift cards. The only thing you need to do
is to click a snap of your receipt and in return you will earn rewards coins for every single
scanned receipt.
Other than that you can also earn bonus coins by spinning the Hog Slots & just answering in –
app surveys.
The coins you will earn for completing different tasks can be redeemed for PayPal cash, Amazon
gift cards and free magazines. Another best thing about Receipt Hog is that it’s application is
available for both iOS & Android devices.

6. Microsoft Rewards

By using the Bing search engine on your computer, laptop or mobile devices you can get paid
with Microsoft Rewards. Microsoft also offers further bonus points with promotional offers and
daily quizzes.
Those bonus points which you will earn from Microsoft Rewards program can be redeemed for
Microsoft Store credit that allows you to buy movies, music, games and Microsoft software.
You can simply earn points each and every time you will put a search term into the address bar
of your browser!

7. AppNana

If you also land in the category of those people who love downloading & testing the latest
applications and games then consider that the luck is on your side because AppNana allows you
to earn points for each and every app & game you download and use.
This can be an ever green way of earning points which can be redeemed for gift cards for
iTunes, Amazon, Xbox Stores and Google Play because their selection is changing constantly.
The thing is that you don’t have to keep each application you download and test, but, I’m sure
that there must be few that you will download and keep continue to use!

8. Google Opinion Rewards

Google Opinion Rewards allows you to earn free Google Play credits. This is an official Google
app through which you can get paid for your opinion and for each poll you will earn $1. Topics
are generally related to Google like you might be asked what logo design is the best and how do
you plan to use Google services in the future or which marketing offer is the most charming.

So guys this was the list of 8 best apps that gives you gift cards for free. Also we would love to
hear from you guys so simply drop a comment below and share your experiences with us and
also let us know that which one of the above mentioned ways you have tried out!

Good luck & have a nice day!

Investing or Paying Student Debt? Which is Better?

Paying debt is one of things for which people work very hard, people work day and night so that they
could make enough money from which they could pay their debt and make a living. Whether it is a
mortgage or a student loan, people work hard to fulfill their dream of being debt free. People of United
States usually have 2 kind of big debts to deal with, one is the mortgage and the second is the Student
loan debt that has increased a lot in the recent years.
The topic of our today discussion is the question that many young people ask when they are free from
college and that is that whether they should pay their student loan first or they should start investing.
Usually debt is of considered to be of two types, the first one which is named as the good one is the one
that increases your net worth. Student loans and mortgages both lie in to the category of good debt, any
debt other than these two debts is considered to be a bad debt because that is a kind of trap that you
usually fall in. Purchasing a car does not increases your worth because the car loses its worth after
sometime and you end up in a loss situation. Bad debt usually come with a higher interest rate than of a
good debt so there is not a chance that you should invest money while you have bad debt on your
shoulders. You should first pay the bad debt first before you start investing.
In the case of good debt, the answer to the question is complicated and not clear and depends upon
your own preferences. Of course you need to pay your debt first and if you have bad debt then you
should not do anything before you pay that off. But investing while having a good debt also have some
benefits that you might want to enjoy. So to answer this question you need to consider some questions.
This would help you analyze which situation is better for you.

What is the Size of your Debt?
This is an important question to answer while you consider yourself stuck between paying off the
student loan and investing because if you have a lower amount then this could be better to start
investing but if you have a huge amount of debt then it would be better to get some load off. If you are
going to pay the debt first then try to pay the smallest one first because this would help you to get quick
success and you will get extra money to pay the other debt.

Interest Rate
The interest rate that you have on your student loan is one of the factors which can change your
decision. If you have a higher interest rate on your student loan then it does not make sense to start
investing with a high interest loan on your shoulders. The loan could be increasing gradually and you will
have to pay more interest rate if you take the loan to its maximum. But if you have a loan of lower and
fixed interest rate then you can easily calculate what interest amount you will be paying for the life of
your loan. You can calculate that what profit investment can bring in and what savings you can do by
paying the debt early and then you can take a decision.

You can also refinance your high interest rate loan in to a lower interest rate loan with lower payments.
By this you will be able to save interest money and invest money too.

Tax Payments
If you have a mortgage or a student loan you can apply for tax deduction programs and you can help
yourself to save the money that you would have to pay if you do not have a loan. In the case of student
loan, there is limitation that whether you can be eligible for this program or not. If your annual income is
more than the limit of the program and you still have the loan pending, then you would not be able to
get that tax deduction.
So in the case of student loans, finance experts always suggest that you should invest money first
because the amount of tax deductions in the case of student loans are lower than of in mortgages. And
if you invest, you can make more money.

Is Investing Before Paying Student Loan a Better Idea?
I have given some of the factors through which you can decide but according to me, investing money is
much better than putting all the money to pay off the student loan. When you start investing in a
younger age, you get a lot of investing experience and you can make a lot of profit in the upcoming time.
Having an investment account from a younger age is recommended by a lot of financial experts, so it is
better to start investing and then using the profit to pay off the debt.
You can also use 90% of your income to pay the debt and to make a living while you use the 10% to
investment account. By this you can get benefits from both these options.

Is Investing Before Paying Mortgage a Better Idea?
In my opinion paying off mortgage first has its own benefits, it can save you a thousand of dollars of
interest amount. Mortgages usually come for a longer period of time but if you can work hard, you can
pay it off quickly.

So the bottom line in this case is that you should put some portion of your income to pay off the debt
and some to invest. As I said above putting 10% of your income for investment is a much better option
in which you can enjoy benefits from both the sides. You will have to increase your principal payments
from the 90% of your income and the pay the debt quickly to. You can also work to increase your
income and keep the equation balance. Do comment in the section below and let us know if you have
any queries regarding the article because we would love to hear from you. Best of luck!

5 Top Places to Get a Mortgage this year

One of the biggest decision of our life is to get a house and it brings in a lot of responsibility when you
buy a house. When you want to buy a house on mortgage then this could be one of your biggest
financial decision of life, so you should work accordingly and try to find the best rates so that it could not
be hectic for you in the future.
Many people are afraid to buy a house on mortgage due to the increasing rates of mortgages but if you
are one of them who still want to buy a house then you should work before you buy a house. You should
compare rates of different lenders so that you could save the most money. To help you in this regard,
today I have come up with a list of lenders that can help you a lower rate. So starting from the 1 st ,

1- Loan Depot

One of the biggest mortgage lender companies is Loan Depot with a Trustpilot rating of 8.1 out of 10.
The company was founded in 2010 and from that time the company has helped many people to get a
mortgage loan on a lower rate. According to the site, the company has paid over 100 billion dollars to
people in mortgage loans or mortgage refinancing. The company offers a variety of loans such as
Adjustable-Rate mortgage, VA loan, FHA loan, Jumbo Mortgage and fixed rate mortgage. The company
has over 1700 loan officers so if you want to get a loan, you can contact with one of their agents and
one of the best thing about loan depot is that their agents does not work on commissions that means
they will provide you the information that is best for you. This loan agent will work with you till the end
of your loan.
On Loan Depot, you have to pay an origination fee and that could lie in between 1% to 5%. If you have a
lower credit score then you will have to pay higher percentage. This is one of the best company to get a
loan from as it provides all the services and one of the best thing about this company is that, you will get
a chance to refinance your loan in the future.

2- Rocket Mortgage

One of the best companies to get a mortgage this year is rocket mortgage. The company is a bit new in
the mortgage lending business but it has gained a lot of fame and they have a very high Trustpilot rating
that is 9.2 out of 10. You can get a VA Loan, Fixed Rate or Adjustable Rate Loan, Jumbo Loan and FHA
Loan with this company. If you already have a mortgage, you can also refinance that loan with this
If you have low amount of money then this company is best to consider because the company will pay
you a mortgage with a low down payment of 3%. This company has one of the easy process to buy a
home, you can take all the information from their app that makes it easy. Another benefit is that if you
are getting an FHA or VA loan then your origination fee will be as low as 1%. That is a very low amount
of origination fee. In other cases, the origination fee may be up to 5%.

If you want to take a loan, you will have to download the app and provide all the required information.
One of the best thing about the process is that all the process takes place online so no need to visit to
the banks as your elders used to do to get a mortgage.
The company has a very user friendly platform that makes it easy and fast. The company is preferred if
you want to take your loan as soon as possible. Although you will have to need to fulfil certain
requirements but this platform is preferable.

3- Citi Mortgage

Citi Mortgage is one of the brick and mortar companies that you can consider for taking a mortgage. The
company is in business since 1979 and is parented by the famous Citi Bank. On this site, you can have
many different options for buying a home. With Citi Mortgage, you can take FHA Loan, Jumbo Loan,
Fixed or Adjustable Rate Loan or VA Loan.
It is easy to get a mortgage loan with Citi Mortgage because they do not have strict requirements to
fulfill like the others. If you have a low credit score then this might be the option you are looking for
because this company does not only looks upon the credit score to check your trust worthiness. Aother
reason for considering Citi Mortgage is that they support self-employed people and work with them to
get a mortgage unlike the other lender’s that have strict policies for self-employed persons.
If you are a customer of Citi Bank then this can benefit you because they have a relationship pricing
program in which they provide a discount on interest rate. You can get to company or can use their site
to take a loan. A downside of this company is that you will have to pay an application fee of $100 that
you will have to pay.
With all of these benefits, Citi Bank could be the option to be considered for a mortgage.

4- Caliber Home Loans

Another company to consider to get a mortgage this year is Caliber Home Loans. The company is in
business since 2013 and is famous in all the country because it provides almost all type of home loan
services. The company also provides loans for renovation along with a mortgage for a new home. You
need to consider this company if you have a low credit score because the company even provides to
people with lower credit scores.
With Caliber Home Loans, you can get a Jumbo Loan of up to $2.5 million with only a down payment of
5%. Apart from that you can get fixed rate loans for Home renovation or if you have a lower score and
you have less amount to pay as down payment. Other than these types of loans, you can also get a VA
loan, FHA loan or USDA Loan.
If you want to get a loan, you can visit one of the branch of the company to get a quote. If you cannot
find a one, you can check their website or you can even contact to one of their agents that will guide you
about the process. You can complete all the process online due to their user friendly website and it is
very safe and convenient to do so. They accept almost 94% of their applications so you have a very
higher chance of getting a mortgage with this company.

One of the drawback of this company is that after sometime you have got a mortgage, your loan will be
bought by another company and this can make it difficult to keep things in order.
With all the benefits and one of the best customer service, the company is a good choice to take. You
can consider this company even if you have a bad credit score.

5- US Bank

US Bank is one of the largest bank of the United States that is provides the services in all the states of
the country and has branches in almost half of the states of the US. With US Bank, you can get VA Loan,
FHA loan, Jumbo Loan, Fixed or Adjustable Rate Mortgage and construction loans. You can also
refinance your current mortgage loans with this bank. Other than that, you can also get home equity
loans with this bank.
If you want to take a loan with this bank, then you have to visit their branch or you can also go through
the online process through their site. One of the benefits of using this bank is that they do not have any
application fee but you will have to pay a closing fee. With the online facilities and the branch facilities,
it makes it easy to get a loan and get your queries resolved with this bank.
US Bank is a bank with both the old and new ways to get a loan that makes it an option to consider for a
mortgage. Also they work to provide you the best possible interest rates with a number of different
types of loans.

So these are some of the companies and banks that you can consider this year to take a mortgage. Now
it is not as difficult as it was in the past to take a mortgage and with an access of companies providing
the services, you can take a mortgage loan even with a lower credit score. Do comment in the section
below and let us know if you have any queries regarding the article because we would love to hear from
you. Best of luck!