Banking

These days, there are plenty of online services that can help you form your own LLC, corporation, or nonprofit. But with so many options available, it can be hard to decide which one to go with. Among the most popular business formation services are IncFile, ZenBusiness, and LegalZoom. Which service is the best? The truth is that...

If you're trying to achieve financial stability, it makes sense to work with a bank that's actively trying to help you stay on top of elements like your credit score. Chime bills itself as such an asset, but does it provide as many benefits as it claims? Overall, Chime can work well for those who...

Zelle is a payment solution that allows you to send money straight to someone else’s bank account, even if they use a different bank than you. Many major banks support Zelle and allow you to enroll using your email or phone number right from inside your mobile banking app. But can you use Zelle with any...

Forming a business can be a relatively lengthy and complex process. Or, at least, it used to be before sites like Incfile and LegalZoom came into being. Whether you're setting up a brick-and-mortar business or running your operation entirely online, you need to get all your documentation in order before selling a single product. But,...

Thanks to modern technology and the abundance of mobile apps, taking charge of your finances has never been easier. As you likely know, the best way to ensure your money is working for you is to invest it. Even better, you don't need massive amounts of capital to take advantage of the stock market -...

Sick of waiting until payday to get ahold of your hard-earned check? There are now a number of banks that offer a handy solution for customers who enroll in direct deposit. Some banks and online payment apps now give customers the ability to access their funds up to two days early. Sound like a nice...

California has 4.1 million small businesses, employing 7.2 million workers and accounting for 99.8 percent of all companies in the state. As of June 2022, 42,302 new business applications were submitted, a 5.6 percent increase over 2021. California makes it attractive to set up a business by offering tax benefits and providing notable business credits for...

Starting a trucking company involves many steps, including the decision to establish the business as a limited liability company or a corporation. According to the American Trucking Association, in 2019, trucking demands represented 80.4 percent of the freight costs spent in the United States, providing this business category with a gross freight revenue of $791.7 billion....

Gone are the days when investing in the future was a luxury limited to Wall Street gurus or even financially savvy investors. These days, one of the biggest challenges for many beginning investors is finding the best investing platform for their needs. Comparing Acorns vs Vanguard largely comes down to pinpointing which one is better aligned with...

A high-risk loan is a loan that poses more risk to a lender that chooses to issue credit to someone with a low credit score, also known as a "high-risk borrower." These borrowers generally do not have a solid track record of repaying debts, tend to keep credit card balances close to their limits, or...

Paying back student loans can take years, if not decades. If a payment is late or missed, the loan may be considered delinquent and late fees will be tacked on. Many graduates find themselves having to put off life commitments and large purchases, like getting married or buying a house, until that debt is paid...

Many years ago I enjoyed reading an article about the stupidest business decisions in history. The article struck a particular chord with me as a young entrepreneur. So much so, that every time I am in a situation where I am about to make a key decision, I think back on that article I read....

For many of us, most of our financial life now exists online. Direct deposits, debit cards, and online banking have brought us to a point where most people have no need to ever go into a physical bank. Without being limited to your local bank, a lot of new options open up for an online...

At surfky, we’re big supporters of cleantech and all viable initiatives that help the world move to renewable forms of energy consumption. That’s why we’re excited to announce the launch of our Electric Car Sales Index, which shows the total yearly sales of electric vehicles in the United States by state. We use credible sources,...

It all started with the GameStop (NYSE: GME) short squeeze. It's rare when stock market news become the main topic at the dinner table, but it's hard to think there is a sexier story for Main Street than a group of internet renegades getting together to pump a collection of stocks and push billion-dollar wall...

NerdWallet has quickly leapt into the top echelon of personal finance websites in the United States. Launched in 2009 by founder and CEO Tim Chen, the site has become a juggernaut in the very competitive personal finance space, surpassing older and more established players like BankRate. According to Inc. Magazine, the company is worth a...

Starting a business in Ohio offers numerous perks, from simple and manageable state regulations to low corporate and business taxes and widespread community support for local entrepreneurs. Whether you are creating a new business or are an established sole proprietor, forming a limited liability corporation (LLC) in Ohio can be an excellent way to limit...