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Online checking account for business - recommendations?

Forum: Banking
I have an LLC for my freelance writing/editing work, and for a few years I've had a separate checking account for those funds. I recently realized that I don't have enough cash in the account to have the monthly "maintenance" fee waived - so I'm losing $15 a month! I know my freelance business hasn't been super busy these days, but I'd certainly like to hold on to most of the money I've earned, you know? I'd love to hear about your experiences with online-only checking accounts for your side...Read More...
Hmm... That's a great question. Currently I know about a lot of personal online checking accounts but I haven't really looked into business accounts. It is definitely something I should be doing though as I do plan on launching a side hustle soon. I will keep my eye out and let you know what I find.Read More...
Last Reply By Moore Income · First Unread Post

Philo TV

Forum: Save Money
I wanted to tell everyone you get a free trial with just your cell phone number. It is cheaper than Sling and I loved it.Read More...

Giving up cable -- what's the best replacement option?

Forum: Save Money
Alexis Grant
I've heard a lot of people talking about this lately, and I wonder if there's a way for my family to follow suit. I'd love to hear from anyone who has let go of cable for a cheaper alternative -- specifically, the logistics of exactly what you replaced it with and how much it costs / how much you saved. We only watch cable for two things: 1. Nightly news 2. Weekend soccer matches featuring UK teams We pay a crazy amount just to get these weekend soccer matches. We've kept it as a luxury...Read More...

Intro to Investing Resources

Forum: Book Club
Theodora
Anyone have any easy, approachable guides to recommend for beginning investors?Read More...
@Theodora I have run across them. Can't say I have looked into them much although I do plan to in the near future. Currently I am investing in Rich Uncles which is a real estate trust that focuses on purchasing commercial buildings and student housing. It is a great place to get started and the returns are decent with Rich Uncles. Fundrise is definitely on my watch list though!Read More...
Thank you @Moore Income ! Real estate is definitely an area of interest for me as well. Have you looked at Fundrise at all? A really interesting model.Read More...
Last Reply By Moore Income · First Unread Post
I'm nervous about the solidity of some online-only banks, but there is the carrot of fabulous interest rates. I noticed the app discussed recently at Penny Hoarder, the Empower app, is FDIC insured up to $250,000. I'm interested in getting as much interest as possible on reserve cash, as anyone, but am I being overcautious here? How much confidence should we have in these online-only banks?Read More...
@mintjulep message me and I can share more details about each one and what the pros and cons are.Read More...
@Former Member Good question. I personally am just testing most of them to see howh they work and such and I usually just start with a set amount. I have moved money between a couple due to a better interest rate but I haven't really added much to the accounts besides the initial deposits. I am starting to add more to My Haven account since they have a 2% interest rate (up to 4% if you refer people) they also allow me to connect all my other accounts to manage my money in one place. So...Read More...
Last Reply By Moore Income · First Unread Post

A No Spend Challenge

Six on a Budget
Doing a No Spend Challenge (meaning *only* spending money on NEEDS, not wants, for a given amount of time can really be motivating and highlight where some spending can be cut and make a BIG impact on your budget!Read More...
I'm implementing a No Spend April (February has some pet and car expenses and I'm doing a strict Keto month; March is spring break and birthdays). I'm Iooking forward to thinking outside the box on social gatherings (like hosting a potluck night) and weekend outings (picnic at local park, finish a few craft projects we already have the supplies for).Read More...
I would love to join.Read More...
Last Reply By jenakle · First Unread Post

Investment app

Forum: Investment
Ana
I just started using Acorns to invest a low amount each month and earn money. You can also link your card and they will round up your change to earn as well.Read More...

Stocks. Asset or Liability?

Forum: Investment
Moore Income
My mentor defines an asset as something that is putting money in your pocket on a monthly basis. A liability on the other hand takes money out. With that in mind he asked me once if the stocks I owned we're an asset or a liability. I instantly said asset, but the more I thought about it, the more I wondered. I decided to take a look at the stocks I had bought through the Stash app and I was surprised to find most of my stocks paid me 0 in dividends. I then found one that paid a small...Read More...

Investments for Beginners

Forum: Investment
Suze Knisley
i have managed to save a chunk of money that is just sitting in the savings account. I have a 401k through work but want to put my savings to work as well as I am nearing retirement age. If you had $50k, how would you invest it?Read More...

Rebate apps for purchases you already made?

Forum: Save Money
Wen Dee
I am curious are there and apps that give you rebates for something you already purchased? I know Ibotta you select the item first, then submit receipt. Ex: I purchased items on Amazon last week, without using Ibotta or Ebates....Is there anyway to still get rebates for these purchases? ThanksRead More...

Save Money on Travel

Forum: Save Money
Moore Income
Almost everyone I know likes to travel, but few people do it much. One of the primary reasons for this is the lack of finances. But if done right and properly planned, there are ways to travel without spending a ton of money. My wife and I have been able to go quite a few places although we don't have a ton of money, we just have to plan well ahead of time. So I figured it would be a good idea to start this thread for people to talk about ways they personally save money on travel and for...Read More...

Marketing Without Money

For the group members who are rocking it with profitable full and/or part-time businesses, you are probably well aware that keeping expenses as low as possible in your personal and professional lives has had the biggest impact on your success. This post may not be of much interest to you. For the rest of us looking to attract more followers and/or clients and customers, I just want to offer a book suggestion, "Marketing Without Money" by author Nicholas E. Bade. The most recent publication...Read More...

Tax Reform 2019

Forum: Taxes
Lisa Eichinger
Hi, I am a tax preparer and have been doing taxes for over 20 years. Here are a few changes that are going into effect this year: - Personal Exemptions have been removed - Standard deductions have been almost doubled - Tax brackets have been changed. They have gone down. - Business expenses for non self employed personnel have been eliminated. I will be happy to explain any of these for anyone who would like. Those are just a few.Read More...
Brianna, What exactly do you mean?Read More...
How are you supposed to file as an independent contractor?Read More...
Last Reply By Lisa Eichinger · First Unread Post

Budgeting for 2019!

Forum: Budgeting
Rob Loftus
I Resolve To Budget! Everyone wants to start off the New Year right, in one form or another. One out of the top 20 most common New Year's resolutions is to start a budget. Starting a budget is a popular resolution that many have difficulty accomplishing. Keeping this resolution often requires a major reduction of people's comfort and conventional habits which is something many people don’t want to give up. However, nothing good worth doing is going to come without sacrifice. So, do you feel...Read More...

Advice Needed: Making Money using Google Adsense for Facebook

Wen Dee
Does anyone have experience using Google Adsense on Facebook? Good/Bad? I figured out how to do it using a website, however I am trying to do it with my Facebook pages I have. I have close 3000 readers on my Coupon FB Page and 1600 on my other FB page. I could build a website, however I'm not sure I'd have as many viwers, as on FB now. Any advice is appreciated. Thanks!Read More...

How To Fly High With Wi-Fi ... (for less)

Forum: Save Money
I cut $20 a month off my high speed internet costs, one of many routine costs that I lowered from just a fifteen minute telephone call. But, wait... there's more!!! I was also able to boost my speed from 60 mbps to 100 mbps. Can you? Why not find out??? Below to a link to Broadband Now, a search tool that will let you find the available internet service providers in your area. Keep in mind that it's important to consider the speeds along with the pricing so that you are comparing apples to...Read More...
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