Knowing Your Worth: Which Loan Type is Right for Your Financial Situation?

Life happens, and sometimes when it does you may not ready for the financial strain it puts on you.  College, medical bills, home expenses, and more can pop up before you have the money to pay for them, but those things can’t wait.  Luckily, it’s possible to take out a loan to help you through these times.

There’s not a one-size-fits-all loan, though, so when you decide to look for one for your needs it can get confusing.  Understanding each type of loan can help you determine which one is right for your financial situation.

Personal Loans

This type of loan is an unsecured loan that does not need credit check or any collateral for you to be approved for it.  They have better terms than a payday loan – lower interest rates, quicker payoff schedules, and no need to put your possessions on the line to get one.  Personal loans are usually affordable and easily accessible, so if you are looking for a small amount of money paid to be paid back quickly, this may be the way for you to go.

Line of Credit

Similar to a credit card, approval for a line of credit grants you access to a predetermined amount of money, to be paid off on a preset schedule.  During that preset time, you can pay off as much as you want and reuse it again as you need to, but it must be paid off by the end of the loan’s due date.  These types of loans are not generally used for one-time purchases.  They are common with people who are having an extended financial issue or large renovations.

Secured Loans

Unlike a personal loan, where you can obtain small amounts of money with no collateral, a secured loan allows you to leverage your personal property in exchange for a higher loan amount.  These are often used when you are attempting to purchase a house or other large investment.  In a secured loan, the interest rate can vary depending on the value of the property that you are leveraging.  Personal property often used to obtain a secured loan includes items like savings accounts or CDs, vehicles, and homes.

Close-Ended Loans

These types of loans must be applied for and then paid off, so the loan amount decreases every time you make a payment.  You cannot reuse the credit granted to you as you can in a line of credit.  These types of loans are common for people who need a specific amount of money one time, like with a home mortgage or student loan.

What Loan is Right For You?

Before you decide which type of loan to apply for, consider your future financial needs for the next six months, year, and two years.  If you will only need the loan once, you can look into those options, but if you may have a need for another loan in the short-term future, consider a line of credit.

Do your research, check out each lender’s website, and make an informed decision for your next smart financial move.

 

The Ultimate Guide To Using Influencer Marketing By JoeSinkwitz

Disclosure: I received compensation for this post. All opinions remain my own and were not influenced.
My opinions may differ from others as well as those of the author.

How often do you browse Facebook, Instagram, Twitter or YouTube and see ads or videos of people promoting products? Have you ever wondered how they are able to afford and promote luxury items on a regular basis?

Have you ever wished you could do it too?

Do you wish that it was your product being promoted?

If you answered yes to any of these questions, The Ultimate Guide To Using Influencer Marketing is the book for you! This book provides an in depth look at the business world for influencers as well as for business owners.  This read takes and in depth look into the influencer world with 29 chapters that are packed and overflowing with knowledge!

I was super excited to get my hands on a copy of this book.  I love that the chapters are well organized and that it provides an in depth look that is easy to understand, even for new influencers and brands.  It began by breaking down that we are all, in one way or another, an influencer and by breaking down the 3 most common types of influencers.  It talks about the importance of each and discusses how each are beneficial to  brands.

The first 14 chapters are specifically for brands, but I also found them useful and educational as an influencer.  It discusses setting goals for campaigns,  how social media affects influencers and brands, how to engage others with your content, how to maximize your exposure, how to  pitch influencers, and so much more. I really appreciated that it walks you through each step from start to finish in detail. This is definitely helpful to new brands.

Chapter 15 on is dedicated to influencers.  It takes a deep dive into our world, how to grow our audience, where to  find new readers, and how to maximize views using social media.  I actually really enjoyed the breakdown of each social media site and how I can use it to grow.  There were some tips that I was already aware of, but I also gained a ton of knowledge for things that I had completely overlooked as well as thigs that I was clueless of prior to this read.

Overall, I found the book to be super helpful for both influencers as well as brands. It’s a great resource and is full of knowledge that will help both new and seasoned  influencers/brands alike.

 

Purchase it!

*Amazon pricing is subject to change at any time, with or without notice. Please verify pricing before placing your order.

 

 

The Next Steps

It’s a sensitive topic, but it’s one that should be discussed practically. Death is not an easy thing to talk about, especially when you’re dealing with someone that you love. The thing is, no matter how you live your life or how wealthy you are, we all end up the same way. So, it pays to be prepared in your life for what comes next. You also should be up to speed on how to help someone else deal with death for you when it’s your turn. Looking after the next steps in life is as important as looking after retirement or any other big event that you come across.

You may have looked after the next steps for someone else before, so you would have already gone down the route of knowing how to contact the right probate lawyers and setting up a Will. It’s one of the first things that you should do when you’re an adult, but many people leave setting up a will until the last moment; which is bad practice. The trouble with life is that even when it’s your turn and you die, life carries on. It keeps moving forward and it doesn’t slow down for anyone. You may be gone, but the mortgage still needs to be paid and the children still need to be cared for. There are finances to be thought about and a house to run – and people will be doing that while grieving for you in the same way that you did it for someone else while you did the grieving. So, how can you prepare your next steps?

 

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  • Life insurance is a big deal. You need to get the best policy possible for your family, and it has to cover what you need for after. It’s ideal for you to get a life insurance policy that will cover you with an amount that is more than what your family will need. This way, you can ensure that your family are taken care of properly.
  • Taking out plans to pay for college or savings accounts that can pay for future weddings is important. There are expenses that come with having a family and you’d have been taking care of them regardless, so it’s important that you invest in a good plan to ensure that this can happen properly. Speaking to lawyers and drawing up a will? That’s the very basic.
  • Lay out your plans and what you want for your own funeral. You can plan out everything in legal terms, but you need to let your nearest and dearest know what you want so that you get the send-off that you deserve to have.

It may not be a topic that is nice to talk about, but death happens to each and every person. The question isn’t about when, it’s about whether you are prepared financially and legally for it to happen to you. Take your time to plan properly and you can feel secure when you deal with it.

 

Minding the Light by Suzanne Woods Fisher {Book Review}

Disclosure: I received a copy of this book from the publisher for the purpose of this review. All opinions remain my own and weren’t influenced. My opinions may differ from those of others as well as the author/publisher. Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.

Synopsis

Six long years ago, Captain Reynolds Macy sailed away from his bride, looking forward to the day when he would return to Nantucket Island with a ship’s hold full of whale oil. But when that momentous day finally arrives, Ren soon discovers that everything has changed in his absence. Everything.

Unlike most islanders, bold and spirited Daphne Coffin doesn’t defer to Ren as an authoritative whalemaster, but sees through his aloofness to the aching heart beneath. She encourages him to return to his Quaker roots and “mind the Light,” finding solace in God and community. As Ren becomes the man she believes him to be–honorable, wise, faithful–she finds herself falling in love with him.

But how can she, when her heart is spoken for?

My Thoughts!

This is book 2 in the Nantucket legacy series. I haven’t yet read book 1, but I felt like this book did a great job at standing on its own. I didn’t feel lost at any point nor did I feel like I was missing chunks of information from the previous read.  Fisher did an amazing job at drawing readers in with fun, clean romance. I felt invested as I flipped through each page. It offered a steady pace and was well written. I love that the story is divided among two time periods so that you can truly see the effects and changes.  This can be a tricky thing to accomplish because you can lose readers, but Fisher did a great job at making the changes seamless. It offered some twists and turns paired with cheer worthy characters. I definitely plan to read more from Fisher!

Purchase It!

Hurry on over to Amazon to grab this book! *Remember that Amazon pricing is subject to change at any time with or without notice.  Please double check pricing before purchasing.

When Through Deep Waters by Rachelle Dekker {Book Review}

Disclosure: I received a copy of this book from the publisher for the purpose of this review. All opinions remain my own and weren’t influenced. My opinions may differ from those of others as well as the author/publisher. Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.

Synopsis

Alicen McCaffrey finally has the life her mother always dreamed for her: beautiful home in Santa Monica, successful husband, adorable daughter. Then tragedy blows her carefully assembled façade to pieces. Worse yet—Alicen feels solely responsible. At rock bottom, she decides to accompany a childhood friend back to Red Lodge, Montana, where they spent summers together as kids.

The peaceful mountain landscape, accented with lush forests and small-town charm, brings back happy memories of time spent with her beloved, eccentric Grandma Josephine. Alicen begins to hope that perhaps things could be different here. Perhaps the oppressive guilt will lift—if only for a moment.

But when Alicen starts hearing voices and seeing mysterious figures near the river in the woods, she begins to fear she’s completely lost her sanity, as it’s rumored her grandmother did. Or might there be more to Red Lodge than meets the eye? Could the voices and visions be real—and her only means of finding the healing she so desperately needs? Or will they prove to be her final undoing?

My Thoughts!

Dekker truly has a special talent for drawing readers in! This is the kind of talent that other authors strive for! It’s that raw talent that has a way to draw a variety of readers in and doesn’t release. I was hooked from the beginning and felt so invested in  Alicen.  The characters are relatable and well developed. Dekker did an amazing job at  bring the characters to life.  The story offers a fast pace and is easy to read and follow. I couldn’t put this book down! It was an emotional roller coaster that left me guessing from the start to the very end! I can’t wait to read more from Dekker!

Purchase It!

Hurry on over to Amazon to grab this book! *Remember that Amazon pricing is subject to change at any time with or without notice.  Please double check pricing before purchasing.

Engraved on the Heart by Tara Johnson {Book Review}

Disclosure: I received a copy of this book from the publisher for the purpose of this review. All opinions remain my own and weren’t influenced. My opinions may differ from those of others as well as the author/publisher. Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.

 

Synopsis

Reluctant debutante Keziah Montgomery lives beneath the weighty expectations of her staunch Confederate family, forced to keep her epilepsy secret for fear of a scandal. As the tensions of the Civil War arrive on their doorstep in Savannah, Keziah sees little cause for balls and courting. Despite her discomfort, she cannot imagine an escape from her familial confines—until her old schoolmate Micah shows her a life-changing truth that sets her feet on a new path . . . as a conductor in the Underground Railroad.

Dr. Micah Greyson never hesitates to answer the call of duty, no matter how dangerous, until the enchanting Keziah walks back into his life and turns his well-ordered plans upside down. Torn between the life he has always known in Savannah and the fight for abolition, Micah struggles to discern God’s plan amid such turbulent times.

Battling an angry fiancé, a war-tattered brother, bounty hunters, and their own personal demons, Keziah and Micah must decide if true love is worth the price . . . and if they are strong enough to survive the unyielding pain of war.

My Thoughts!

Johnson is an amazing author and did such an amazing job captivating and engaging readers. I wasn’t sure what to expect from this read at the beginning, but I was in love within the first 5 minutes! It offers a steady pace that is easy to follow. The characters were well developed and relatable. I totally felt connected. It had so much to offer- conflict, suspense, love, courage, honor, and more. I highly recommend this read!

 

Purchase It!

Hurry on over to Amazon to grab this book! *Remember that Amazon pricing is subject to change at any time with or without notice.  Please double check pricing before purchasing.

Swagbucks: July Swago- Earn Up TO 500 SB!

Disclosure of Material Connection:
Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.


The digital rewards site Swagbucks is offering big payouts during on their July Swago Board, which runs from July 9th through July 16th at 9am PT! Swago is just like bingo, but in this case you’re filling out squares as you earn points on their site for doing things you already do online. If you’re thinking of trying Swagbucks, this is a great chance to learn all about how the site works and earn bonus points while doing it, meaning you can get more gift cards faster. Here are a few tips:

  • Each square on your Swago Board will contain an action item to complete. They can be anything from getting a search win, completing a survey, or just visiting one of our popular stores!
  • Once you complete the action item in a particular square the square will change color signifying the action item is complete.
  • You have until 12pm PT/3pm ET on Monday, July 16th to mark off as many squares as possible so use your time wisely.
  • Be mindful of the patterns and their corresponding bonuses located on the right of your Swago Board. The patterns will vary in difficulty and bonus value. Once you’ve achieved a pattern, the corresponding “Submit” button will light up. You can have multiple patterns available for submission, however, you can only submit ONE pattern so choose wisely.
  • Each activity you successfully complete on your Swago Board will give you anywhere from 1-20 spins on the Spin & Win Wheel. PLUS, when you submit your board for a bonus you’ll get additional spins. The number of spins will depend on the pattern you complete. The wheel has all sorts of great prizes that you can win, and each spin is a winner!

The Spin & Win Wheel will be available all throughout Swago and you have until 11:59pm PT on Monday, July 16th to use all your spins.

Fill up your board and then submit your pattern to get even more points – if you can fill in the whole board, you get a 500 SB bonus, which is enough for a $5 gift card from the retailer of your choice. 

Click here right now and click “Join” to get started! If you don’t already have a Swagbucks account, you’ll be able to quickly sign up; PLUS, if you earn 300 SB before the first of August, you’ll get a bonus 300 SB!

 

New To Swagbucks?

If you haven’t heard of Swagbucks, it’s a site that rewards you for online activities that you’re already doing. You collect points then redeem those points for gift cards to places like Amazon, PayPal, Starbucks, Walmart, Target, and more! Swagbucks is totally legit. I use it myself on a daily basis to earn money that I save up for Christmas, birthdays and date nights! 

Get 300 bonus SB when you sign up for Swagbucks in July

Disclosure of Material Connection:
Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.

All throughout July you can earn large bonuses when sign up as my referral on Swagbucks. Swagbucks is a rewards site where you earn points (called SB) for things you’re probably doing online already, like searching the web, watching videos, shopping, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Target, or PayPal cash.

When you sign up through me this month, you can earn a 300 SB bonus! Here’s how:

1. Sign up using this link

2. Earn 300 SB total before August 1st, 2018. You’ll get a 300 SB bonus for it!

3. That’s it. It’s super easy, and Swagbucks is for real.

 

New To Swagbucks?

If you haven’t heard of Swagbucks, it’s a site that rewards you for online activities that you’re already doing. You collect points then redeem those points for gift cards to places like Amazon, PayPal, Starbucks, Walmart, Target, and more! Swagbucks is totally legit. I use it myself on a daily basis to earn money that I save up for Christmas, birthdays and date nights! 

What Blooms from Dust By James Markert {Book Review}

Disclosure: I received a copy of this book from the publisher for the purpose of this review. All opinions remain my own and weren’t influenced. My opinions may differ from those of others as well as the author/publisher. Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.

Synopsis

Just as Jeremiah Goodbye is set to meet his fate in the electric chair, a tornado tears down the prison walls, and he is given a second chance at life. With the flip of a coin, he decides to return to his home town of Nowhere, Oklahoma, to settle the score with his twin brother Josiah. But upon his escape, he enters a world he doesn’t recognize—one that has been overtaken by the Dust Bowl. And the gift he once relied on to guide him is as unrecognizable as the path back to Nowhere.

After one jolt in Old Sparky, Jeremiah sees things more clearly and begins to question the mysterious circumstances surrounding the murders he was accused of. On his journey home, he accidentally rescues a young boy who follows him the rest of the way, and the pair arrive at their destination where they are greeted by fearful townspeople. When the Black Sunday storm hits the very next day, the residents of Nowhere finally begin to let the past few years of hardship bury them under the weight of all that dust.

Unlikely heroes, Jeremiah and his new companion, Peter Cotton, try to protect the townspeople from themselves, but Jeremiah must face his nightmares and free himself from the guilt of flipping the coin on those men who died.

Filled with mystery and magic, What Blooms from Dust is the story of finding hope in the midst of darkness and discovering the beauty of unexpected kindness.

My Thoughts!

It takes a special kind of author to take the grit of the dust bowl and turn it into a great read that really connects with readers. The story was well written, easy to follow, and enjoyable. I wasn’t too familiar with the time period prior to reading this book, but it came off very authentic. I loved watching the layers peel back as I read  each page. I highly recommend it!

Purchase It!

Hurry on over to Amazon to grab this book! *Remember that Amazon pricing is subject to change at any time with or without notice.  Please double check pricing before purchasing.

I review for BookLook Bloggers

The Love Letter By Rachel Hauck {Book Review}

Disclosure: I received a copy of this book from the publisher for the purpose of this review. All opinions remain my own and weren’t influenced. My opinions may differ from those of others as well as the author/publisher. Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.

 

Synopsis

Romance has never been actress Chloe Daschle’s forte—in life or on screen. But everyone knows who to call for a convincing death scene . . . and it might be killing her career.

When Chloe is given a peek at the script for an epic love story, she decides to take her destiny into her own hands and request an audition for the lead female role, Esther Kingsley. The compelling tale, inspired by family lore and a one-page letter from the colonial ancestor of scriptwriter Jesse Gates, just might break her out of this career-crippling rut. Jesse would rather write about romance than live through it after his past relationship ended in disaster. But once on-set together, the chemistry between Jesse and his leading lady is hard to deny.

Centuries earlier, in the heart of the Revolutionary War, Hamilton Lightfoot and Esther Longfellow wrote their saga off the silver screen. Esther’s Loyalist father opposes any relationship with Hamilton, but Esther must face her beloved father’s disapproval and the dangers of war in order to convince Hamilton of their future together. Hamilton has loved Esther for years, and on the eve of battle pens the love letter she’s always wanted—something straight from the heart.

Set in stunning upcountry South Carolina, The Love Letter is a beautifully-crafted story of the courage it takes to face down fear and chase after love, even in the darkest of times. And just maybe, all these generations later, love can come home in a way not even Hollywood could imagine.

My Thoughts!

Hauck has a way with words that engages readers and brings the story to life. I thoroughly enjoyed this read. It offers a steady pace and amazing characters that  you can relate to. I really  love Chloe and her determination. She has a spark about her and I totally feel like we could be best friends in real life. The stories intertwined really well and were not confusing. The two stories make a great novel, but I will say that I was more drawn to Chloe’s story.  I had a blast reading this book and would recommend it to others.

Purchase It!

Hurry on over to Amazon to grab this book! *Remember that Amazon pricing is subject to change at any time with or without notice.  Please double check pricing before purchasing.