It’s a Good Time To Invest With Webull

The markets be a little scary lately. Watching the the market is like watching a rollercoaster. But this can be a great time to invest. With stocks lower than normal you can grab the stock you’ve been thinking about but haven’t quite pulled the trigger on.

Webull makes it easy to invest. Even giving you free stock when you start investing. In this way, you can get even more bang for your buck. How much free stock? Anywhere from $12 and up to $1400 in free stock! That’s not a bad deal right?

Why Webull (other than the free stock of course)? Webull offers:

  • $0 Commission and $0 Minimum Deposit
  • Free Real Time Quotes
  • Multiplatform Accessibility
  • Full Extended Hours Trading (Full Pre-Market 4:30 am – 9:30 AM ET and Full after hours 4:00 PM – 8 PM ET)
  • 24/7 online help
  • Powerful Charting Tools with 44 technical indicators as well as 12 charting tools designed to help you analyze trends

I know it can be a little intimidating to start investing but Webull gives you the tools you need to learn and invest wisely. Start investing and get your free stock today!

This post does contain affiliate links. I will get a small commission from sales made through my links.


Credit Card Debt During A Pandemic with Saxton Associates

As of 2019, 184 million Americans actively used credit cards according to TransUnion. The average American owns 3.1 credit cards according to Experian. And the credit card balance total for all Americans? A whopping $1.05 trillion as of February 2020! That’s crazy.

Of the US that currently uses credit cards, 42% percent carry a balance month to month. And what is the average balance for consumers? Over $6000!

Want to know what’s even crazier? Americans paid $121 billion in interest to the credit cards companies. That’s a lot of money! That is up 7% since 2018. I think it’s fair to say with the pandemic, some Americans not working, and panic buying that credit card debt could go even higher.

So who are the biggest offenders? As much as I hate to say it, it’s my generation, Generation X. My generation carries the highest credit card balances. While people want to get down on Millenials for different reasons, they actually carry the lowest credit card balances. I know my sister in law is a Millenial and she’s into this “minimalistic” lifestyle. I mean Millenials aren’t even using top sheets right? Millenials also, on average, have less credit cards that Gen X and Baby Boomers. In fact, Baby Boomers, on average carry the most credit cards at 4.8.

Want to know how your state stacks up with credit card debt? Check out this infographic:

With more and more Americans currently relying on credit cards and other financial devices in these uncertain times these number could climb with record highs. Don’t let yourself get into financial trouble.

I realize people gotta do what they gotta do but when this is all over get your credit straightened out before it takes you down. Saxton Associates can help.

Delinquency rates peaked in 2009 at nearly 7%, but in 2019 delinquency rates were 2.6%, historically well below the long-term average.

Credit card debt becomes delinquent when a bank reports a missed payment to the major credit reporting bureaus. Banks typically don’t report a missed payment until a person is at least 30 days late in paying. When a consumer doesn’t pay for at least 90 days, the credit card balance becomes seriously delinquent. Banks are very likely to take a total loss on seriously delinquent balances.

Check out these ways to consolidate credit card debt too.

This post is sponsored by Diamond Links.


FREE $10 to Spend at Ebay

You can find some great deals on Ebay. But, you can get even better deals when you go through TopCashback. TopCashback offers cash back at Ebay regularly but if you’re a new TopCashBack member you can get a free $10 to spend at Ebay! That could be a really nice discount or maybe a free items , depending on what you’re looking for.

Step 1: 
OFFER LINK 

Using my link, signup for a FREE TopCashback account.This offer is for new TopCashback members only.

Step 2:
Follow the directions listed on the offer page to purchase.   You must spend at least $10.00 to receive $10.00 cash back.

Step 3:
Within 7 days of purchase, $10.00 will appear in your TopCashback account. You’ll be able to withdraw this within 14 days of purchase.  You can withdraw the money straight to your checking, PayPal, or claim as gift cards.

Tips:

  • Important: Check your email to confirm your email address. Click on the link in your email to authenticate your new account.
  • Want to purchase more than $10.00?  Make a second transaction instead of adding more to an existing cart to maximize additional cash back.

Terms & Conditions:Note: Transactions must contain at least $10.00 worth of purchases to ensure the $10.00 cash back is credited to TopCashback accounts. Transactions may initially track lower, but within the 14 days after purchase it will be uplifted and turn payable at the amount of $10.00. Transactions may take up to 7 days to appear in your TopCashback account. The deal is open until 11:59pm PST on 4/21/2020 or until supplies run out; whichever happens first; applicable for purchases made directly after clicking through TopCashback. Only one TopCashback account is permitted per member.  Cannot be combined with other TopCashback freebie offers.  Do not close the window, open any new tabs, or use non-TopCashback approved coupons while checking out.


After About 16 Years We Finally Switched Cell Phone Carriers and Saved Big Money

Years ago, I started my wireless service with AT&T. At the time it was just me and I don’t think smart phones were really a big thing. Maybe they were but I just don’t remember. My bill wasn’t bad and I got a nice discount through my employer.

When my husband and I got engaged I added him to my cell phone plan. Still it was reasonable and again, I don’t think smartphones were that big at the time. I think I had a plan that had unlimited talk and 200 texts a month. That was just fine for the two of us.

After we got married we ended up adding my father-in-law to the plan. Then several years down the road my oldest son. Cell phones and plans changed and our wireless bill was crazy. Even with the 24% discount I was getting through my employer it was insane. We stayed with AT&T though because we’ve had our numbers for so long and figured that was as good as we were going to get given the nice discount through my employer.

Then AT&T started with sketchy sales tactics. “Oh you’re getting a new iPhone we have a promotion right now where you can get a new ipad for $1” I asked about the catch, of course we had to add another line for it. I did it but almost immediately regretted it but we were stuck with it then. After having it for a year and a half I did a live chat. I told them I wanted to remove the ipad from our plan because it never connected to service anyway and could only use it with wifi. I told them I only wanted to do it if there was not going to be a penalty. If there was then we’d just keep it on the plan until we had to. They said no problem, took it off our plan then charged us $60.

We had talked about switching over to Consumer Cellular for some time but still had payments left on our phones. The ipad incident made me want to be done with AT&T. A few coworkers had switched to Consumer Cellular and save a lot of money. Then my father -in-laws phone broke. All the new phones were expensive or required a 2 year contract. I got a call from a sales agent for AT&T trying to talk me into getting my father in law a new Samsung for only $1 and I could save money if I switched plans and there would be a two year contract. I thought, oh no it’s the pad incident all over again. I said no. My husband and I decided it was time to call Consumer Cellular.

The sales agent was so nice and helpful. Answered all the questions I had and then some. You guys, we are saving over $100/mo by switching over AND get WAYYY more data to use. We only had 4 GB of data to share between the 4 of us with AT&T. Of course that never worked out with my teenage son and me being a blogger and social media influencer. We now have 25GB of data with Consumer Cellular for less!! Even without my employer discount. We have the same coverage because they use AT&T and T-mobile cell towers, we got to keep our phones, and keep our numbers!If you want to check out Consumer Cellular to see if they can save you money on your wireless bill too check out Consumer Cellular’s website here.

The links in this post are my Consumer Cellular referral link. If you go through one of those you’ll also get a $10 credit on your first bill!


Create Images For Your Needs with DesignCap

As a blogger and social media influencer, I used design websites and software fairly often. There is one in particular I had been using for years which will remain nameless. One day I decided to cute expenses and got rid of that website. Then I realized how much I used it. When I decided to sign up again they raised the prices. I felt like I had no choice though. Having no graphic design knowledge, I needed simple. Then I came across DesignCap.

DesignCap is very affordable even offering a free option. The top tier account is DesignCap Plus and it’s still more affordable than that other site I was using.

Design cap is not just for header images and social media headers though. They offer templates for infographics, business cards, invitations, reports, brochures, and more! Making this a great tool for businesses and entrepreneurs to use too. Create images for your needs. Pull from DesignCaps stock photos or your own.

Here is just one example of the eye-catching templates on DesignCap:

Brochure template front
brochure template back

DesignCap is easy to use and requires no graphic design experience. You can use one of the templates or create your own designs. Add in your own business pictures, change words, fonts, sizes, whatever you want.

DesignCap is localized to 7 different languages including: English, German, Spanish, Japanese, Portuguese, French, Chinese.

The site was so easy to use. They offered more options for images, icons, colors, and fonts than the old site I was using. I created the header images for this post in a matter of minutes. It was so easy, no stress or frustration. I encourage you to try it out today.

Visit DesignCap.com to create an account.

I was gifted the DesignCap Plus account to try it out all the features for this post. No other compensation has been received.