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Emily Kalan


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I am a United States based professional in the investment industry and on SmartMoneyMatch to expand my network and connect with other industry professionals. I would be happy to connect on SmartMoneyMatch and start the dialogue to see how we can cooperate.

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Emily Kalan

11 months ago

Dental Loans, Without Pulling Teeth!

Nobody enjoys trips to the dentist. It’s something that can’t be avoided - if you do ignore it, then the problem will most likely get worse and worse.

 

Sore gums, uncomfortable dentist chairs, and that horrible mouthwash can make a dentist trip feel horrible, but the worst part about the whole experience is the hefty bill at the end. Even a quick checkup can cost you close to $300 - and for more complicated repairs such as braces, crowns and fillings can set you back hundreds or thousands of dollars. 

 

Thankfully, there’s a way to fund your dental costs - even if you have poor credit. If you need a filling removed or you’re expecting to have some dental work done, then keep reading for more information on dental loans for bad credit.

OneMain

Pros:

  • An affordable origination fee of up to $40
  • Loan terms of up to 60 months (5 years)
  • Can borrow up to $25,000
  • Offers both secured and unsecured loans 

Cons:

  • High APR starting at 25.10% and capped at 36%

 

If you have poor credit, then it can be almost impossible finding a suitable loan. Nobody WANTS to take out a loan, but unexpected costs like dental emergencies can leave you with no choice. 

 

Thankfully, a loan with OneMain is manageable, and they accept customers with poor credit scores. The loans are both secured and unsecured, and the interest rates will vary depending on which you choose. 

 

The APR rates are between 25.10% and 36%, which may seem a bit steeper than others. The good news is, you can borrow anything from $1000 up to $25,000 and you may have up to five years to repay the loan, depending on which loan you opt for. 

CashAdvance.com

Pros:

  • Perfect for small, short term loans 
  • Super speedy process
  • You get to pick an offer from various lenders
  • Manageable repayment

Cons:

  • Can only borrow up to $1000

 

CashAdvance.com is the perfect loan for medical emergencies. Most dental costs are under $1000 - a checkup being around $300, a filling being anything from $50 to $400, and cleaning being $200, this loan should cover medium expenses. 

 

However, this may not be the best option if you’re looking to cover the cost of crowns, implants, and braces - as this is going to be above the $1000 threshold. 

 

To get started, fill out the simple online application form. Hopefully, you’ll be connected with lenders within minutes, giving you the opportunity to choose the best one for you. 

PersonalLoans.com

Pros:

  • Flexible repayment plans 
  • Ideal for even the most expensive dental costs 
  • May have up to 72 months to repay the loan 
  • Competitive interest rates 
  • No repayment penalties

Cons:

  • None 

 

It’s super quick and easy to get a loan with PersonalLoans.com - all you need to do is get started on the application form. It’s a simple 3-step process, and you could potentially get connected with lenders within minutes. 

 

The funds will be deposited into your bank account pretty quickly too, with some customers receiving the money within 24 hours. 

 

If you come into a lump sum of money and want to pay your loan off early, then that can be easily done - and you won’t get charged for early repayment. Depending on your loan, you may have up to 72 months to repay the loan, which makes repayment more than manageable. 

MoneyMutual 

Pros:

  • Can apply for multiple lenders with just one application form
  • Competitive interest rates even if you have poor credit 
  • Can borrow anything from $250 to $2500 
  • Ideal for short term loans 

Cons: 

  • Won’t be enough for more extensive dental work 

 

For smaller dental expenses such as fillings, cleans, and checkups, a loan with MoneyMutual is ideal. They offer loans of amounts between $20 and $2500, which should cover small to medium dental costs. 

 

If you have poor credit, don’t worry about getting rejected, as MoneyMutual is ideal for customers with a less than perfect credit score. 

 

The company works with payday loans and payday loans only, so you should expect the loan terms to be short. This is ideal if you’ve got funds coming in soon.


Emily Kalan

1 year ago

The Benefits Of Identity Protection Services

Identity theft is one of those things that you hear about, but you never think it will happen to you. However, millions of Americans fall victim to identity theft every year, and the problem only appears to be growing.

Having your identity stolen can leave you feeling vulnerable, exposed, and unsafe - and it’s a lot of work to get the problem resolved. Your best chance against this is by protecting your identity from fraudsters.

Thankfully, there are services out there that can help you protect your identity - keep reading to find out more about the best identity theft protection services.

Identity Guard

Pros:

  • They have 20 years’ experience
  • 3x plans available
  • Monthly credit score with a premium plan
  • High-tech AI used

Cons:

  • Not too budget-friendly

Identity Guard is one of the best identity protection services out there and caters for everybody. With three plans to choose from, you’re sure to find one that suits you, your situation, and your finances.

IBM Watson (trademark) artificial intelligence is used, which does a brilliant job of monitoring, processing, and analyzing billions of data points for your safety. Thanks to the AI performance and their quality safety procedures, you’ll be so much better prepared if and when a data breach occurs.

Identity Guard’s services don’t end there. They also have an insurance service that offers up to $1 million in identity theft insurance.

The three plans give you a choice of what features you like, and what you can afford. The lowest plan starts at $19.99, whereas the premier plan is $24.99 per month.

With their premier plan, you’ll be eligible for the following services:

  • Dark Web Monitoring
  • Risk Management Report
  • Safe Browsing Tools
  • Anti-Phishing Mobile App
  • 3-Bureau Credit Monitoring
  • Tax Refund Alerts Monthly Credit Score
  • Address Monitoring
  • Credit Score and Report
  • Social Insight Report

If these quality and effective features don’t make you feel safe, then I’m not sure what will!

IdentityIQ

Pros:

  • Closely monitors criminal databases
  • Identity restoration as well as protection
  • Scours the dark web for your personal info
  • Budget-friendly options available

Cons:

  • Their online support can be slow

Once your identity has been stolen, it can be tedious and overwhelming trying to restore it. Identity protection is great, but in that instance that identity theft does occur, IdentityIQ will restore your identity.

Since 2009, IdentiyIQ has been protecting people's identities all over the world. They also do a great job of educating their customers on how they can prevent identity theft and sings to look out for.

The company not only monitors your credit score, but also looks out for a change of address, and also scours the dark web or any of your personal info, as well as criminal databases.

With the IdentityIQ Max Plan, you can receive up to $1 million in ID theft insurance, as well as a maximum of $25,000 for your children. This is sure to cover any expenses caused by your identity being stolen.


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