Our Take The bottom line: PNC business loans are a good option for existing PNC business banking customers who have established businesses and strong credit history. Pros & Cons Pros A varied selection of business loans to offer, including SBA loans. Specialized financing for business real estate and vehicle purchases. The option to apply online,…
A 10-year adjustable-rate mortgage offers a fixed rate for the first 10 years of the loan. After that, the interest rate resets every six months. Many homeowners opt to refinance or sell their property before the rate starts to change. So why bother with an adjustable-rate mortgage at all? Well, because during that initial fixed-rate…
Andrew Pledger publicly came out as gay on an Instagram Live interview in January 2022, right before starting his last semester at Bob Jones University, an evangelical institution in South Carolina. Less than two weeks later, he was expelled. During Pledger’s time in college, he attended a church that affirmed his identity as a gay…
If you regularly give part of your paycheck to Amazon, you can get some of that money back by paying with the right credit card. Naturally, the co-branded Amazon credit cards give shoppers the most consistently high cash-back rates on Amazon purchases. But other cards can offer more flexibility in terms of when and where…
With factoring, also known as invoice factoring or accounts receivable factoring, a business owner sells their outstanding invoices to a factoring company at a discount. The factoring company pays the business owner a percentage of the invoice amount up front and then takes responsibility for collecting repayment from the business’s customers. There are two types…
5.0 NerdWallet rating Plans offered: Accident and illness, wellness. Breadth of coverage: Excellent. Range of plan options: Excellent. Can pay your vet directly: No. The bottom line: Customizable plans that cover holistic therapies, but filing claims can be a hassle. How we review pet insurance Our writers and editors follow strict editorial guidelines that ensure fairness…
Overhead is a term used to describe business expenses that aren’t directly linked to creating a product, service or any other activity that contributes to a company’s income. While some business overhead is unavoidable, reducing these indirect expenses will help widen your profit margin. Every business incurs some overhead expense, although some businesses (for example,…
With a 5-year adjustable-rate mortgage, you’ll get an introductory rate for the first five years you have the mortgage. These are sometimes referred to as “teaser” rates because they can be significantly lower than prevailing rates on fixed-rate mortgages. However, after that period’s over, your interest rate will change every six months. Many homeowners will…
Chase organizes its credit cards into different “families” based on what the card offers. Travel and dining cards are branded with a Sapphire name. Small business cards are Ink-branded. And Chase’s cashback-focused credit cards are branded as Chase Freedom credit cards. Chase currently offers three types of Chase Freedom credit cards to new cardholders: Chase…
The “buy now, pay later” transaction is simple: Shoppers are offered an installment loan at the point of purchase, spreading the cost of the product across several payments. They’re often available without a credit check. Buy now, pay later financing has become a go-to payment method at most major retailers for everything from clothing and…