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Colin Ma

Get Longer Balance Transfer Periods | A Way to Consolidate Your Debt

March 8, 2022September 10, 2021 by Colin Ma
Man on a laptop holding a credit card

A balance transfer credit card is one that comes with a low introductory annual percentage rate or 0% APR, which you may qualify for depending on your credit. This introductory APR is, of course, limited …

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Categories Loans

25 Side Hustle Ideas to Maximize Your Income and Built Multiple Income Streams

December 7, 2022September 9, 2021 by Colin Ma
Side hustle text

America’s gig economy has exploded in the last 10 years, due in large part to today’s technology making it easier than ever to hire yourself out as an independent contractor or freelancer. Side hustles can …

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Categories Side Hustles

How to Get a Loan With Bad Credit | Poor Score or No Credit Options

March 8, 2022July 14, 2021 by Colin Ma
Loan in a purple piggy bank

Having bad credit or no credit can make getting a loan very difficult, if not impossible. One of the principal factors lenders must consider is risk and when a potential borrower has bad credit or …

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Categories Loans

Unsecured Loan | Pros & Cons of No Underlying Collateral Borrowing

March 8, 2022July 13, 2021 by Colin Ma
Unsecured green tab on a keyboard

Whether you’re someone looking for financing for personal reasons or an entrepreneur in need of money for your business, unsecured loans are something you should consider. Unsecured loans are extremely common and there’s a good …

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Categories Loans

What Is Alternative Lending? | A Wide Variety of Business and Personal Funding Options

March 8, 2022July 9, 2021 by Colin Ma
Blue and orange bags with dollar signs

One of the biggest benefits of new technologies and innovation in finance is the emergence of alternative lending, especially for small business owners. In the past, small business owners had no choice but to go …

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Categories Loans

Credit Score Ranges Explained | You Need To Know Where You Stand

March 8, 2022July 9, 2021 by Colin Ma
Credit score speedometer

You’ve heard of credit scores, but you’re unsure what they mean. What’s more, even if you know your credit score, you may not know how lenders view credit scores or what your score entails. What …

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Categories Credit Score

Are Credit Union Credit Cards Good? | How Do They Compare to the Traditional Banks?

September 20, 2021July 9, 2021 by Colin Ma
Credit union boxes on a table

Credit unions are a popular alternative to using traditional banks for financial needs. In recent years, however, the growth of online banks and lenders has increased competition, cutting into the credit union’s market. Even so, …

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Categories Credit Cards

When to Get a New Credit Card | 8 Signs It’s Time to Switch Banks

September 14, 2021July 9, 2021 by Colin Ma
Three credit cards on the table

Wondering when to get a new credit card? Well, choosing the wrong credit card can cost you money. You might not read the fine print before you use it and get hit for unanticipated charges. …

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Categories Credit Cards

5 Best 0% APR Credit Cards Reviews in 2021 | The Benefits & the Risks Involved

September 14, 2021July 8, 2021 by Colin Ma
Black credit card

Many of us use credit cards either to manage our debts or to pay for expensive items over time rather than have to save up money over many months. But if you aren’t careful, you …

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Categories Credit Cards

Credit Cards for Couples | Learn About Joint Account Management

October 21, 2021July 8, 2021 by Colin Ma
Old couple figurines on money

You’re married — or perhaps just in it for the long-haul with your partner — so you need to manage your finances together, which includes your credit cards. In most cases, banks no longer issue …

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Categories Credit Cards, Personal Finance
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We are Finance Futurists, a finance blog made to provide educational insight for Gen Zers and Millennials looking to improve their personal finance knowledge.

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  • Investments
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  • Money Management
    • Side Hustles
    • Financial Planning
    • Budgeting
    • Savings
  • Newsletter
  • About

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We're the Finance Futurists, personal finance educators empowering Millennials and Gen Zers to invest in their future selves by learning how to make their money work for them.

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