7 Moves For Anyone With Extra Cash In Their Checking Account

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Do you have any extra cash in your checking account? Regardless of the amount, there are a lot of options you may not be aware of.

Like any financially savvy person, you should probably be doing something with that money that helps you. Here are 7 moves that could help that extra cash go further than you might have thought possible! Don’t be foolish, take advantage now.

1. Get A Top Financial Advisor To Help You Manage Your Money

Now might be one of the best times to get on top of your finances with the economy being on a wild ride.

Obviously, there are no guarantees a professional will do better than you at managing your money. But if you have a portfolio size of over $50,000 (could be a combination of cash, stock, or other assets) getting a second opinion from a pro certainly can’t hurt. Even if you don’t need help picking investments, they can help you create a plan, maximize your Social Security, protect your assets and offer you peace of mind by ensuring you’re on the right track.

These days, there are no-cost online services that make it easier than ever to find trustworthy financial advisers in your area. For example, Wiser Advisor. You fill out a short questionnaire and are instantly matched with up to three local fiduciary financial advisers, all legally bound to work in your best interests.

The process only takes a few minutes, and in many cases you’ll be offered a free consultation.

Nothing to lose, lots to potentially gain: Take a minute and check it out right now.

2. Help Protect Your Your Family By Leaving Them Up To $8,000,000

We hate to think about it, but who would make the rent or mortgage payments and who would pay the bills if something were to happen to you? One of the smartest moves you can make is to help protect your family’s financial future. Many people underestimate how much money is needed to provide for their families after they die. This is why life insurance is very important.

The older you are, the more expensive life insurance becomes. And because today is the youngest you’ll ever be, there’s no better time than today to get a life insurance policy.

Plus, with Ladder, you can actually lock in your rate. As you age and your health declines, you’ll get to keep paying that same low premium.

Ladder offer’s term life insurance policies starting from as little as $4.95 a month, and you can complete the company’s application in 5 minutes. Ladder is 100% digital for coverage up to $3 million which means no medical exams or filling out paperwork! You’ll simply have to answer a few health questions as part of the online application.

Get your free quote from Ladder today and help ensure your family’s financial future is secure.

$4.95/month pricing is based on 20-year-old female, preferred plus rating with a 10 year term and $100,000 in coverage.

Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products.

3. Investing In Art Might Be A Hugely Helpful Asset

When you think about investing you probably think about stocks and real estate. You might think that investing in fine art by the likes of Banksy and Andy Warhol is only an option for the ultra-rich. But not anymore.

Masterworks is an investment platform designed specifically for investing in contemporary artwork.

Why? Because, like a fine wine, a piece of fine art can get better — and more valuable — with time.

And maybe because, between 1995 and 2020, contemporary art has outperformed the S&P 500 by 174% — that’s nearly three times the returns — according to the Citi Global Art Market chart.

Masterworks is one of the first art investment platforms, and it’s available by invite only. (Don’t worry; we got you an invitation! skip the waitlist and sign up with Masterworks today) It lets you bypass the hard parts of art collecting, so you can just enjoy the rewards.

Here’s how it works:

  • The Masterworks research team watches the art markets to discover which types of works are going up in value.
  • Then it sends out an acquisition team to snatch up a piece and offers shares to member investors.
  • You select shares to buy (with no minimum investment), and Masterworks uses its proprietary data to help you tailor your portfolio based on your financial goals.
  • You can earn money by selling your shares to other Masterworks users, or hold onto them and earn your share of the proceeds when Masterworks sells the piece.

4. Start Investing Like The Ultra-Wealthy

Previously only available to institutions and the ultra-wealthy, Yieldstreet offers curated investment opportunities at accessible minimums.

Some 75% of high-net-worth investors between the ages of 21 and 42, compared to 32% of investors over 43-years-old, don’t expect “above-average returns” solely from traditional stocks and bonds, according to a Bank of America Private Bank study released on October 11. The firm polled 1,052 high-net-worth investors with at least $3 million in investable assets from May to June 2022.

What’s more, 80% of those young investors are turning to so-called alternative investments, which fall outside of traditional asset classes, the study found. Younger investors are allocating three times more to alternative assets and half as much to stocks than other generations.

And now you can too! So what are alternative investments?

Alternative investments are assets like real estate, venture capital, private credit, crypto, and even art.

They are called alternative investments because they aren’t public equity or bonds.

These alternative investments have the potential to offer higher returns. With Yieldstreet you can start investing in these assets with minimums ranging from just $500 to $2,500.

Create a free account and start investing today. Click here to sign up to Yieldstreet now in under 2 minutes. Yieldstreet has paid out $1.8 billion and has 400,000 registered users.

5. Prepare For Retirement With Ease (Before It’s too Late)

Now might be one of the best times to get on top of your retirement finances with the economy being on a wild ride.

Obviously, there are no guarantees a professional will do better than you at managing your money. But getting a second opinion from a financial advisor pro certainly can’t hurt.

A professional might do wonders for your retirement future. Financial advisors with a company called Retirable specializes across all areas of retirement — including income, healthcare, housing, and quality of life. Even if you don’t need help picking investments, they can do things like help you create a plan, maximize your social security, protect your assets and offer you peace of mind by ensuring you’re on the right track.

Retirable will provide you with a licensed financial advisor expert that will help you grow your savings, spend smarter, and navigate key decisions.

And right now you can schedule a free consultation, and a financial advisor from Retirable will show you:

  • Your monthly retirement income
  • How to make your savings last
  • When you should elect Social Security

Just fill out a short questionnaire so that they can learn more about you and are instantly matched with one of their expert retirement advisors.

The process only takes a few minutes, and you’ll get a free consultation.

If you choose (there’s no obligation), Retirable can provide ongoing expert care managing your retirement planning. Retirable has already helped 50,000 people just like you and has a TrustPilot score of 4.6 out of 5 stars. If you choose to use Retirable, their fees are some of the lowest around.

Nothing to lose, lots to potentially gain: Take a minute and check it out right now.

6. Turn The Equity In Your Home Into A Large Sum Of Cash (But Be Careful)

Are you a homeowner and could use a large sum of cash to do things like make home improvements, pay off debt, or fund something else. You can likely do that — using the equity you’ve already built up in your home. It’s called a cash-out refinance.

You don’t have to wait to finish paying off your mortgage or sell your home to access your equity. You can convert that equity into cash and continue paying off your mortgage with a cash-out refinance. But be careful, a cash out refinance should only be done if you have a good reason.

With New American Funding, you can check your cash-out refinance rate quickly and easily see how much cash you can get. All you need to do is fill out a brief questionnaire with some basic information about your property. Then, the company will show you your offer in two minutes or less. You’ll get a credit score of at least 620 to get approved.

Want to find out how much cash you could get your hands on using your home equity? Simply fill out this brief questionnaire to get your offer from New American Funding today.

7. Get A Bitcoin Cash Back Rewards Credit Card

Bitcoin is over. Bitcoin is a scam. Yadda yadda yadda. You’ve heard it many times, yet bitcoin is still here.

Just like the rest of the economy, bitcoin is down from its high, but it’s still very much up over the past several years.

It might be really smart to stack some free bitcoin by simply using the Upgrade Bitcoin Rewards Card when you make everyday purchases.

Ladies, you too! Bitcoin holders are male by an overwhelmingly majority. But ladies, here’s your chance to get started by simply using your credit card like you usually do. And surprise your husband, boyfriend, brother, by letting him know you’ve got some bitcoin too! Maybe he’ll be jealous when he realizes the stack you’ve been rewarded.

The Upgrade Bitcoin Rewards Card pays unlimited 1.5% back in bitcoin with no annual fee. The card comes with credit lines from $500 to $25,000, so you’ll have an extra emergency credit card line if you should ever need is as well.

Apply for the Upgrade Bitcoin Rewards Card now.