Precious metals have long been a popular investment choice. Metals like gold and silver retain their value even when the stock market plunges. So if you’re looking to add these metals to your investment portfolio, now is a good time. However, as a beginner investor, you’ll likely be overwhelmed by the numerous buying options available today. Read this brief article to find out how and from where you can buy gold and silver easily. Types of physical bullion Before getting your hands on precious metals, it’s vital to know that they come in different shapes, sizes, and styles. The most common forms of physical bullion include coins, rounds, and bars.

The US Department of Veteran Affairs (VA) offers a valuable option of an Interest Rate Reduction Refinance Loan (IRRRL) for veterans and related members. This enables individuals who already have VA loans to reduce their debts and avail a lower rate of interest. It shortens the loan term and helps transform an adjustable-rate mortgage (ARM) into a fixed-rate mortgage (FRM). The main advantage of an IRRRL is that borrowers do not need a new Certificate of Eligibility or a minimum income. Those who have VA loans are nearly qualified for refinancing. Read on to know top lenders offering the lowest VA IRRRL rates currently:

A VA loan is a benefit provided to veterans, military personnel, and their spouses, wherein they can become homeowners. They are exempted from paying the down payment or any mortgage insurance. Private banks and mortgage companies provide these loans. A large number of options makes it challenging to select the right provider. Therefore, we have put together a list of the five best VA loan lenders of 2021. Here are some of the best VA loan lenders: Guaranteed Rate Guaranteed Rate operates in all 50 states with over 300 branches nationwide. One can apply online and even undergo paperless document verification and approval.

Refinancing involves replacing an existing loan by paying it off with a fresh one. Such an act usually costs somewhere between 3% and 6% of the loan’s principal amount, along with application fees, title search, and an appraisal. Since refinancing is a big decision to make, understanding whether this move could actually save you money is essential. So, the following reasons will help you know whether youn should consider mortgage refinancing. Lower interest rates Keep an eye out for lowering mortgage refinance interest rates in the market, and just when the rates drop, you can consider refinancing to pay significantly less in monthly payments.

Stiff competition urges every business to push themselves out of their comfort zones to make customers happy and ease complexities for employees and customers. Technological evolution is constant in every field, and digitalization has helped make things convenient for all. While we’re aware of the convenience and time-saving opportunities that are brought about by digitalization, this article discusses its perks in the financial services field. Saving time is the most significant factor in financial services after digitalization came about. No longer do people have to wait in long lines to withdraw or deposit cash. An ATM or banking apps come to the rescue.

Renting a car may seem like a simple activity, something you can do online in a matter of minutes. But apart from renter’s insurance, the cost of the rental, and other fees chargeable, there are a number of points to consider so you can get the best deal, from location to size of the vehicle and budget tips; here are a few tips to get you started. Book in advance Book your travel arrangements well in advance, especially if you are planning a road trip. This way, you can switch vehicles in the cities planned along the route to save money and rent a different car each time.

Timeshares are a lucrative way of investing in property that you can own for a specific period. Investing in a timeshare opens up avenues for travel and affordable stay at exotic locations. But reselling the space is where it gets tricky, as the demand for these properties varies on factors like location and price.  Here are some good ways to make a sale quickly: Go through an agent Real estate agents who specialize in buying and selling timeshare properties will help you unload your ownership quickly. You must do thorough research and choose an agent with plenty of experience in the area.

In the age of smartphones, people have been able to make an app for practically everything. These apps have made it extremely convenient for us to lead our lives and carry out our day-to-day activities. You might not know this, but you can earn cash using apps in your spare time! Could you imagine how great it would be to get paid to be on our phone all the time? Here are some popular cash-making apps in 2021. Shopkick This app is perfect for those who enjoy indulging in a little bit of online shopping every now and then. This app only works on mobile, and you can redeem your points as gift cards whenever you decide to do so.