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Top smartphones of 2021

Top smartphones of 2021

New smartphones are released every other day, making it difficult for a buyer to make a choice. Additionally, finding the best smartphone deals online can make the finding process more tedious. Leading online stores such as Amazon and Best Buy provide several deals and discounts, even on popular mobile phones. So if you want a great smartphone with an amazing deal, you might want to check out the list below:

Apple iPhone 12
If you want a great phone but don’t have a big budget, the iPhone 12 is an excellent pick for you. It has almost all the features of the Pro models, such as 5G, a great camera, and yet, it is quite a few hundred dollars cheaper. It also has a stunning battery life, a fast processor powered by the A14 Bionic chip, and sufficient storage space. Find deals on this device with AT&T and Verizon.

Samsung Galaxy S21 Ultra 5G
The Samsung Galaxy S21 Ultra 5G is one of the best phones out there. The S21 Ultra 5G matches the highest possible standards from its camera to its display and processor. Additionally, when it comes to this fantastic device, the deals are plenty. From bundles to discounts, there’s always something for users on Amazon, Best Buy, and Samsung’s website.

Apple iPhone 12 Pro Max
If you have an expandable budget and want a stunning phone, this one’s for you. The iPhone 12 Pro Max has the best camera, a super-fast processor, and 5G. This means that you can shoot videos, stream movies, and download data in high quality and at high speeds. You can find a good deal on Best Buy or Apple’s website.

OnePlus 9 Pro
When it comes to fast processors and high-quality cameras, the OnePlus 9 Pro is quite the competitor. It is efficient, has an ultra-wide camera and a long-lasting battery. This is one of the best phones out there for Android lovers and for those who want great quality but have a smaller budget. You can save up to $30 by purchasing this phone on Amazon. You can also get deals on OnePlus’s site and Best Buy’s website.

You can keep a lookout for various trade-ins on the official sites of these mobile phones and other trustworthy sites like Amazon and Best Buy. These trade-ins can help you save hundreds of dollars on all the latest devices and help you find better smartphone deals.

Samsung Galaxy Z Flip3 5G
The 5G-capable Galaxy Z Flip3 is a cellular phone from Samsung that redefines how we look at smartphones. The foldable smartphone comes in two variants: 128 GB for $999 and 256 GB for $1050 approximately. As for the Galaxy Z Flip3 5G provider plans, on Samsung’s website, if you pick T-Mobile as your carrier, you can get $50 instant credit when activating it online. You also have the option of a limited-time discount of $100 when you buy the device unlocked.

Google Pixel 6 5G
One can avail 5G network on the Google Pixel 6 with T-Mobile. It ranks among the fastest 5G networks with nationwide services and brings you exclusive plans for the Google Pixel 6. You can trade in your old smartphone for a new 5G-enabled Pixel 6 and switch to T-Mobile’s Magenta MAX plan. One can also get trade-in benefits of up to $900 ($450 in case you opt for any other plan) and 24 monthly bill credits to own one of the latest releases in the 5G spectrum.

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5 mistakes to avoid when purchasing insurance

5 mistakes to avoid when purchasing insurance

Purchasing insurance can be an excellent financial decision. When you buy insurance, you make small payments called premiums to an insurance company so that you and your loved ones are protected during a financial emergency. However, there are a lot of factors to consider when buying an insurance plan. And more often than not, people make mistakes during the process, which cost them a lot more than they would otherwise pay. Opting for low premiums People often opt for a plan with a lower premium because it is easier on the pocket. However, such plans usually provide a smaller claim amount during an emergency. So, try to find a balance between the premiums you pay and how much money you get during a claim. Not trying other insurance providers Staying with the same insurer might make the documentation process easier when renewing the policy or buying a new one. However, it can cost you more in the long haul. The provider may not always offer the best price for a preferred plan. So, if your situation changes—for example, if you get married, buy a car, or move to a new state—compare different insurance companies before choosing one. Not reading the fine print Every insurance plan comes with terms and conditions.
5 mistakes to avoid when purchasing insurance

5 mistakes to avoid when purchasing insurance

Purchasing insurance can be an excellent financial decision. When you buy insurance, you make small payments called premiums to an insurance company so that you and your loved ones are protected during a financial emergency. However, there are a lot of factors to consider when buying an insurance plan. And more often than not, people make mistakes during the process, which cost them a lot more than they would otherwise pay. Opting for low premiums People often opt for a plan with a lower premium because it is easier on the pocket. However, such plans usually provide a smaller claim amount during an emergency. So, try to find a balance between the premiums you pay and how much money you get during a claim. Not trying other insurance providers Staying with the same insurer might make the documentation process easier when renewing the policy or buying a new one. However, it can cost you more in the long haul. The provider may not always offer the best price for a preferred plan. So, if your situation changes—for example, if you get married, buy a car, or move to a new state—compare different insurance companies before choosing one. Not reading the fine print Every insurance plan comes with terms and conditions.
4 services Medicare does not cover

4 services Medicare does not cover

Medicare is a health insurance program issued by the government. The program covers people aged 65 or older, certain people with disabilities, and patients with end-stage renal diseases. It encompasses several plans and is divided into four parts with certain services – A, B, C, and D. Out of these, Part A is free for those who’ve paid Medicare taxes for at least ten years, but the others have to pay a premium. Even though the program is helpful for many, some Medicare plans are complicated in terms of coverage. This makes it difficult to understand. They might cover various aspects of health care, but many conditions are not covered as well, some of which include: Dental care Medicare plans may cover basic health care services and X-rays, but they have a limit of $1,500 annually. Medicare plans may not cover routine dental checkups and treatment of certain dental services. They also do not cover dentures and fillings. However, in the case of emergency hospitalization, patients can use Part A to pay off certain dental services. Long-term hospitalization Usually, all Medicare plans cover up to 90 days of hospitalization. The benefit period begins on the first inpatient day at a hospital or nursing facility and ends when inpatient care isn’t received for more than 60 days.
A look at some of the best free investment advisors

A look at some of the best free investment advisors

As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list: Interactive Brokers Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base. You Invest by JP Morgan Chase You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online.
Reverse mortgage eligibility and its criteria

Reverse mortgage eligibility and its criteria

As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals. Here are the criteria for reverse mortgage eligibility: Personal criteria Age You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases. Property The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages. Home equity You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.

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