At the moment, precious metals have become an integral part of one’s investment portfolio. These can be extremely beneficial during inflation periods. In fact, numerous financial advisors recommend that at least 10% of such assets should be part of one’s total net worth. Among precious metals, gold, in particular, has been highly popular among investors. The good news is that now one doesn’t have to go on a hunting for the best options as gold coins or bars are easily accessible on online platforms. If you are planning to diversify your portfolio by investing in this precious metal, then continue reading to know about the best online gold dealers. APMEX (American Precious Metals Exchange) One of the biggest and best gold dealers online, APMEX not only facilitates the sale of precious metals but also allows the buyers to sell their gold, silver, platinum, and palladium. Likewise, they also sell collectible items such as rare coins and currency notes from around the world. They have a huge selection of gold with their live prices available on their website. Moreover, they dispatch gold within one business day when consumers use credit cards to make payments. To guide the clients to make the best investment decisions, APMEX also run financial planning services.

Here are the top car loans available: CarsDirect : CarsDirect is a buying service but also provides auto loans. Many companies which provide auto loans have a range within which the loan value must lie. This kind of loan works very well for people who want to buy a second-hand car because there is no minimum limit on the amount. MyAutoLoan : This company helps to connect customers with final lenders who provide the necessary funds. The rate of interest payable on the car loan depends on the location, the kind of vehicle and also the credit history. This kind of a service is good for somebody buying an automobile for the first time. On the other hand, people who do not want to deal with multiple lenders should avoid such loans. U.S. Bank : The U.S. Bank provides a great deal on the car loan. They do not charge high rates of interest. A great benefit is that they do not charge high-interest rates on the people buying second-hand cars unless the car is more than six years old or has run more than 100,000 miles. The loan is great for anyone who is looking for the security and safety of having borrowed the money from a large financial institution.

Bankrate.com is an independent comparison service and an advertising-supported publisher. It covers nearly 4800 banks and credit unions across all 50 states in the United States to provide a well-researched and detailed comparison of the best CD rates. It thereby enables you to find the best Certificates of Deposit (CD) rates by taking into account the following parameters: the annual percentage yield, minimum deposit required, term and the penalty that will be charged for early withdrawal. Additionally, Bankrate provides several tools to help users manage and maximize returns from their CDs. CD Calculator: Bankrate provides users with an online calculator to calculate the interest earned on a CD. You need to enter the necessary information such as the initial deposit, months, interest rate and compounding to calculate the annual percentage yield (APY) and the closing balance. It also offers a detailed report highlighting the schedule of the CD’s balance and interest earned. CD Laddering Calculator: You can also use Bankrate’s CD Laddering calculator to determine how to increase your CD investment returns to land the best CD rate. This will help you build a CD ladder for yourself that enables you to draw high yields and provide sufficient access to your cash.

Did you know teeth start to form even before we are born, but they come through only when we are 6-12 months old? And, while baby teeth fall off and permanent teeth takes its place, losing this set of permanent teeth results in a condition called Edentulism or toothlessness. While a toothless smile would look adorable on babies or really old people, the rest of us might prefer to visit a dentist to set things straight! Visiting dentists twice a year is highly recommended by most doctors. A thorough check up, and cleaning of teeth regularly not only reflects on good oral hygiene habits but also helps in the prevention or care of other medical conditions that are directly or indirectly related to the health of teeth and gums. A visit to any doctor is certainly an expensive affair but is more so in the case of dentists. Dipping into your savings and attending to treatments as and when the need arises is one way to handle the situation; while intentionally saving up and investing in a particular, individualised health insurance policy is a better way to approach the same situation. Health insurances are of many kinds. But most insurance policies do not cover dental treatments.

In many cases, when a person is unemployed, they may be offered a loan from a high street lender. In this case, the rate of interest to be paid on loan will be very high and will also be accompanied by lending charges. Here is what to keep in mind while acquiring a loan when unemployed. Credit history: While trying to obtain any loan, it is essential to keep tabs on your credit score. A bad credit score will reduce your options of loans. Before attaining a loan, you should work towards improving your credit score. Every time you apply for a loan, it leaves a mark on your credit history, and if you get rejected by one lender, it gives the next lender a greater chance to reject you. Type of loans you can acquire: The best kinds of loans available are the best buy loans, and they have the most attractive terms and rates. These types of loans are usually reserved for creditors who have a good credit history and are employed. There are lenders who are willing to provide loans to creditors with bad credit history or those who are unemployed. The chances of finding such lenders are bleak, and most of them charge high rates of interest.

An unemployed person with bad credit can apply for a no credit check loan because in most cases these are the only kinds of loans unemployed people can acquire without major difficulties. Here is what to keep in mind while trying to obtain such a loan: Online private lenders: Most often these kinds of loans are not offered by traditional banks, and the best place to find them is to private lenders. The last thing banks want is to take the risk to provide these loans to unemployed people with bad credit score. Future assessments: Usually while applying for a loan, the lender checks the credit history and credit score of the borrower. In this case, the lender will not check credit history but will look at the background. The background includes educational qualifications, previous job experience, previous areas of work, etc. This is done by the lender so that he can assess what kind of future employment the borrower can get. In most cases, lenders give the loan based on how much salary they think the borrower can earn with his skills and qualifications. Simple process: The process of acquiring this loan is straightforward. One needs to fill in the application form either online or manually with basic details.

A payday loan or a cash advance is a short-term and small-dollar loan given out to borrowers who are in need of cash for an unexpected expenditure or an emergency situation. It could also be used to cover expenses between the arrival of paychecks. Cash advances are used only for short-term loan requirements and are unsuitable for long-term requirements. Payday loans can come with high-interest rates and if taken repeatedly can trap the borrower in debts. Listed below are a few tips to help you pay off your payday loans or cash advances. Negotiate with the lender: Negotiate with your lender to see if they can put you in some hardship program that will enable you to pay your loans with lower interest rates. Although payday lenders look forward to making as much money as possible through giving out these loans, they may be ready to negotiate with borrowers who show sincerity in paying back the loans. Wait for your cash advance to go into collections: Alternatively, you can wait until your cash advances go into collections. If you have failed to meet the deadlines, then your payday lender may go to the extent of harassing or threatening you. If you continue to delay the payment, your cash advance will be redirected to a collection agency.

Bad credit loans can either be put to constructive use or could be destructive based on what you use them for. The following is a list of some of the good uses of credit loans: Cash loans: They are easier to get, and the transaction can be between two known parties. You can borrow cash from either a friend or a relative. Usually, on such loans, the interest rate is very low or absent as compared to loans obtained from banks or financial institutions. The loan can be repaid after the deadline as well. One can use collateral as leverage for the loan. However, make sure that you always sign a binding contract with the other party. Installment loan: As the name suggests, the loan can be paid back in installments over a period. Hence there is no urgency to clear the loan. These loans are used for the purchase of vehicles, furniture, etc. Wedding loans: Weddings can be an expensive affair, and it may be difficult to produce cash up front readily. Even with a bad credit score, you can repay this loan up to 8-10 years, putting less pressure on you. Government loans: They are used for purposes like the expansion of businesses, setting up businesses, student loans to name a few.

If you have a poor credit score, you need not worry because the following list of companies is willing to look beyond just your credit scores to give you a loan. PersonalLoans.com: They are ready to offer loans in the range $2000 to $35000 and are open to all credit types. Services are available in all 50 states throughout the country with funding and approvals which don’t take more than a week, sometimes even one business day. The tenure of the loan can be from three to seventy-two months with interest rates are variable depending on the loan. BadCreditLoans.com: Bad credit loans are willing to offer loans from $500 to $5000 with multiple lenders are offered by the company. Funding is very quick, and you can receive your money on the very next day. Loan tenure is from three to sixty months. Interest rates are variable depending on the loan. SignatureLoan.com: They are willing to offer loans from $1000 to $35000 regardless of whether you have a good credit score or not. It can be used for absolutely anything from medical loans to emergency loans. The approval process is speedy, and they have a very large network of lenders. The term of the loan can be from three to seventy-two months with interest rates are variable depending on the loan.

Payday loans are sometimes necessary for people who have bad credit ratings or have an urgent need for cash due to emergencies. There are several companies which are willing to offer fast cash loans to people who need it. The following are some of the most reliable and most popular payday loan companies: CashNetUSA: It is a payday lender, and consumers can receive cash within one business day. The company is transparent in its policies and provides thorough information on rates of interests and other protocol. Check Into Cash: They have a number of stores all across the country, approximately 900 stores across 30 states. They offer not only online payday loans but also title loans and provide a quick solution for your needs. Speedy Cash: As the name suggests, Speedy Cash specializes in short-term lending and financing. They also help in funding for small businesses. Business in speedy cash is done in Nevada, Oregon, and Washington and they operate in cash in Canada. TitleMax: The company was founded in 1998 and has around 1110 stores in seventeen states. They offer loans for vehicles as well as personal loans. LoanMart: They do business in eleven states and offer features such as an in-house DMV so that customers can receive their cash without any hassles or difficulties.

It’s the universal truth. Bad credit means lesser chances of getting approval for a personal loan. This can pose a major obstacle especially if you need some extra cash urgently. There are various kinds of personal loans available that don’t require you to go through a credit check or a FICO score assessment. However, you will have to cover up this convenience provided by a few lenders by paying higher interest rates. Here are a few ways to get a personal loan with no credit check: Find traditional lenders: Contact your local bank or credit union and inquire if they offer personal loans without a credit check. If they don’t, expand your search to banks and credit unions in other areas. A few banks may be prepared to offer you a loan, provided you can prove that you are receiving a steady income to make the loan payments on time. It is recommended that you first approach established financial institutions as the rate of interests will be lower in comparison. Consider micro lending: Micro lending refers to loans offered by individuals to other individuals who need money. In case of micro lending, you may receive a loan from an individual or a group of individuals.