NEW YORK, February 2, 2023 (Newswire.com) - iQuanti: Cashier's checks and money orders are certified funds — payment guaranteed to clear when you use it. You can pay for the cashier's check or money order ahead of time and get a piece of paper representing the payment. You then pay with the cashier's check or money order. Then, the company that sold you the cashier's check or money order transfers the money. Doing this prevents bounced checks and insufficient funds since you already paid.

All that said, cashier's checks and money orders differ in several ways. These differences make each one suitable for distinct situations. This article will compare a cashier's check vs. money order by defining each and looking at their benefits and drawbacks.

How do cashier's checks work?

Cashier's checks are a type of official check issued by banks and credit unions. When you buy a cashier's check, the institution draws funds from your savings or checking account to cover the amount plus the issuing fee and then signs and issues you a check. You can then use the cashier's check for your purchase.

Pro: Available in large amounts

Policies differ between banks, but cashier's checks generally don't have a limit on the amount you can get one for. As a result, cashier's checks can often be used for larger purchases.

Pro: More secure

In general, cashier's checks are considered to be more secure than money orders. They are offered only by banks and are used for large purchases, so they come with additional security features to guard against fraud.

Con: Only available at banks and credit unions

You can get cashier's checks at banks and credit unions, but you also must have an account with that bank or credit union to do so. You can visit a bank branch to get a cashier's check or go on their online website to order one.

Con: More expensive

Many banks sell cashier's checks for no lower than $10. Some may sell them for even more. This is a substantial fee simply for accessing your money, so make sure you must use a cashier's check for the specific expense.

How do money orders work?

Money orders are another form of certified payment available at banks and credit unions, but also supermarkets, convenience stores, and several other locations. You can purchase a money order by paying the amount you want plus an issuing fee with cash, debit card, or traveler's check. You generally can't use credit cards since those are forms of debt. If you do, it may be treated as a cash advance. Upon purchase, the issuer hands you a check representing that money order. When you pay someone with the money order, the issuer transfers funds to the payee.

Pro: Widespread availability

Money orders are sold at many locations that you might visit regularly. Some places you can purchase a money order include:

• Western Union
• Banks/credit unions
• Convenience stores
• Gas stations
• Post offices
• Supermarkets

Pro: Cheaper

Money orders tend to cost no more than $2 to $3. This makes them more affordable than cashier's checks. Plus, since they're available at more locations, you have more room to compare costs and find the cheapest money order provider.

Con: Lower limits

Money orders are generally available for up to $1,000. Many money order providers won't let you purchase a money order larger than this. For larger purchases, you'll have to buy multiple money orders and pay the fee each time.

Con: Must be bought in person

Money order issuers must verify your identity, which can be hard to do over the Internet. So, keep in mind that money orders are rarely, if ever, available online. On the other hand, cashier's checks are only available at banks and credit unions, but you can often buy them online since you'll have a bank account with the bank already.

The bottom line

Both cashier's checks and money orders are certified funds. Each one's specific features suit them for different situations. Cashier's checks generally offer large amounts and higher security but cost more and are only available at banks and credit unions. So, cashier's checks can be excellent tools for putting a down payment on a home or car.

Meanwhile, money orders are cheaper and available at numerous locations. However, they're only available for up to $1,000 in most cases. As a result, money orders can be helpful for paying bills or placing a deposit on an apartment. Make sure to weigh these features against your specific expense to decide whether a cashier's check or money order fits your needs best.

Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125


Original Source: Cashier's Check vs. Money Order: Pros and Cons

NEW YORK, February 2, 2023 (Newswire.com) - iQuanti: There are certain times in life when waiting for your next payday just isn't possible. If you need extra funds to cover essential or emergency expenses right away, a same-day loan can be an easy and quick option. Read on to learn about how emergency same-day loans work and some expenses they can help cover:

How do emergency same-day loans work? 

An emergency same-day loan is a loan where the funds are transferred to your bank account the same day you apply for them. This is not as rare as you might think. Several online lenders offer same-day funding for installment loans, cash advances, and title loans, provided you submit your application early enough during the day. Better yet, you may not need good credit to get approved for an emergency same-day loan.

When do you need a same-day loan? 

Here are some financial situations where getting a same-day loan may make sense: 

1. Your bills are due

Getting a shut-off notice from the utility company classifies as an emergency need. If the date on that notice is tomorrow, you need funds in your bank account today. The same holds true for phone bills or cable and internet bills. Mobile phones and Wi-Fi can be essential services, especially if you work online or from home.

2. Your car payment is late

Falling too far behind on car payments could initiate a collection action that eventually leads to a car repossession. That's not a position anyone wants to be in. An emergency loan can help you make that overdue payment and possibly an extra payment to give you some breathing room. 

3. You have a medical emergency

Medical emergencies are always unexpected and often traumatic in ways that go beyond your financial needs. A larger same-day loan like an installment or title loan could help pay for the medical bill and other related expenses like prescriptions or co-pays. 

4. Your car needs repairs 

Paying for an unexpected car repair is not something that can wait a week until you get paid again. Auto repair shops want their money when you pick up the car. Without it, you're looking at public transportation or rideshare to get yourself back and forth to work. Thankfully, same-day loans can help you pay for this expense right away. 

5. The cupboards are bare

Everyone needs to eat, and running out of food is one of the more urgent emergencies on this list. If you're short on funds for groceries, a same-day loan to get you through to the next paycheck could solve that problem. Use an emergency loan option like a cash advance to go to the grocery store and buy what you need. 

The bottom line

Waiting until tomorrow to have funds in your bank account is not always an option. Emergency same-day loans can help when bills are due, car payments are late, if there's a medical emergency or car repair, and when you run out of food. Consider getting a cash advance, title loan, installment loan, or other emergency loan to meet your immediate financial needs today. 

Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125


Original Source: 5 Instances Where Emergency Same-Day Loans Can Come in Handy

NEW YORK, February 2, 2023 (Newswire.com) - iQuanti: Loan applicants with credit scores between 300 and 579 are considered poor-credit borrowers. If you have poor credit, you'll need to find a lender who has less strict credit score requirements and considers applicants with all types of scores. Although no credit check loans may be hard to come by, there are many lenders out there that approve poor-credit borrowers. Here are some financing options that poor-credit borrowers can consider in 2023:  

1. Cash advances

Cash advances are short-term loans that can give borrowers a few hundred dollars to cover expenses. You'll repay this loan the next time you receive a paycheck, in two to four weeks. Some cash advance lenders allow borrowers to stretch the loan out over a longer term, but there will be an interest payment due each time the borrower gets paid. Before applying for a cash advance, read the terms and conditions carefully so you know what to expect.

Many cash advance lenders approve poor-credit borrowers and will consider additional factors like employment and current debts when making an approval decision. Keep in mind that applicants are also required to produce valid identification, so the lender can have a current address and your personal information on file.

2. Title loans

Buying a car is an accomplishment. It also provides you with a valuable piece of collateral to use if you need a title loan. Anyone who holds a title to a car, motorcycle, RV, or boat can apply for this type of secured loan. There will be a credit check, but title lenders aren't as concerned with your credit score as other types of lenders. They mostly want to know if you pay your bills and whether you own the vehicle outright. 

Title loans can be a great option if you need funds right away and plan on paying the loan back quickly. But keep in mind that the lender can take away your car if you can't repay the loan, so it's smart to have a good repayment plan before applying. 

3. Pawn shop loans

A pawn shop loan is another type of secured loan because the borrower provides an asset as collateral. Unlike a title loan, where the lender only holds your car's title, pawn shop loans require the actual asset. Examples of this include jewelry, electronics, rare coins, or expensive clothing like leather jackets and fur coats. 

Pawn shops will hold collateral as long as you make your payments. The borrower can terminate the agreement by paying off the loan or simply stopping the payments. The latter is considered a surrender of collateral and allows the pawn shop to resell your asset to another customer. So, make sure to pay the loan back if you want to keep your item.

The bottom line

Luckily, poor credit may not prevent you from getting a loan. It may limit your options with traditional lenders like banks and credit unions, but there are often funds available from cash advance lenders, title lenders, and pawn shop lenders. It's smart to shop around and compare lenders and loan options to find the right poor-credit loan for your budget and needs. 

Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125


Original Source: 4 Financing Options for Poor-Credit Borrowers in 2023

NEW YORK, February 2, 2023 (Newswire.com) - iQuanti: Your credit score is a vital piece of your financial picture. It impacts your ability to buy a home, purchase a car, rent an apartment, open a credit card, and much more. Unfortunately, there are many myths out there that, if fallen for, can set you back on your credit-building journey. With that in mind, this article will debunk common credit score myths and offer some tips on how to fix your credit score.

1. Checking my credit score lowers my score

Applying for credit can temporarily harm your score, an effect that wears off after several months. However, checking it yourself does not harm your score at all. You can only get one free copy of your official credit report from each credit bureau — Equifax, Experian, and TransUnion — per year. Getting more than one from each costs money. However, you can check your score online for free through websites like CreditKarma, although the scoring model differs slightly. Some banks offer credit monitoring tools to customers as well.

2. You need a good credit score to qualify for a loan

A higher credit score indeed offers access to more loans. But borrowers with poor or little credit still have plenty of options. Many traditional lenders run credit checks for loans but don't ask for a high score. This is especially true for secured loans — loans that require you to put down a piece of collateral. Some unsecured loans also have less strict credit score requirements and look at other factors like income and employment during the approval decision process.

3. Paying off debt eliminates its effects

Paying off any relevant debts doesn't wipe the evidence of them off your credit report right away. Certain types of derogatory marks may stay on for a certain amount of time before falling off.

For example, Chapter 13 bankruptcies can remain on one's credit report for up to seven years. Meanwhile, Chapter 7 bankruptcies can take up to 10 years to fall off. Many other derogatory marks, such as account charge-offs and collections, stay on your report for around seven years.

Sometimes, marks are erroneously left on your report after they were supposed to fall off. In this case, you'll need a copy of your credit report to find the mark, then file your dispute with the corresponding credit bureau.

4. Closing a credit card helps your score

Closing a credit card can actually hurt your score because this can affect three of the five factors credit bureaus use to calculate your score: credit history length, credit mix, and utilization.

Here is how each works:

• Credit history length measures the average age of your accounts, along with your oldest and newest account ages. Closing an account reduces your average account age, hurting your score.
• Credit mix measures the diversity of loans and credit cards you have. Closing a credit card could reduce your credit mix, hurting your score.
• Credit utilization measures total credit balances against total credit limits across all cards. Closing a card reduces your total credit limit and doesn't erase that card's balance. This could increase your utilization, harming your score.

Ideally, you keep the card open and use it once in a while to prevent the company from closing it for inactivity.

Ignore these credit score myths

Misinformation about credit scores can hamper your credit-building efforts, so it's important to stay informed about how credit works. Remember: you can check your credit as often as needed without worrying about credit damage, and you can still get a loan without a good credit score. In fact, getting a poor-credit loan can be a great way to build up your score if you pay the loan in a timely manner and the lender reports it to credit bureaus.

Additionally, paying off debt doesn't erase it from your credit report immediately. You might have to wait or take more action. Meanwhile, closing credit cards can actually hurt your score instead of helping it. Ignore these common credit card myths to stay on the right path toward building your score and reaping the benefits.

Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125


Original Source: 4 Common Credit Score Myths You Should Know

Crypto Lists' new section features a variety of toplists covering a specific range of casino offerings. These include new crypto and real money casinos, decentralized casinos, Bitcoin and Ethereum casinos, with a sportsbook section coming soon.

EAST HAMPTON, N.Y., February 2, 2023 (Newswire.com) - CryptoLists.com continues to add value to their readers, as they start following a new direction, one which features online casino as an additional cornerstone of the site.

The overview page presents snippets of the individual casino-related toplists, making the site easy to navigate for readers who are searching for something specific. While there are some more crypto-specific toplists, such as decentralized casinos, others include real money casinos and those with instant payouts after winnings. Interested parties may view the page here: https://www.cryptolists.com/casino/

Shaping up nicely
The co-founder Markus Jalmerot is enthused with the new and dedicated casino section, explaining: "The company's other co-founder and I come from the casino space, so it was always an intention of ours to explore crypto casinos once it was established as a flourishing niche."

He continues: "We perhaps didn't imagine it getting off the ground so quickly, but we're really happy at how the casino section of Crypto Lists Ltd. is shaping up. And, of course, we're not forgetting about the coins and exchanges that our visitors know us for. We're simply adding another string to the bow, so to speak."

A plethora of lists
Linked to the overview page are a variety of different toplists to help readers make the most informed choice. Both new crypto and real money casino sites can be found at https://www.cryptolists.com/casino/new/. Crypto Lists aims to have visitors covered whether they're looking for casino sites specializing in Bitcoin and Ethereum deposits, as well as no-wager and decentralized casinos. Additionally, there are plans on the near horizon to create a toplist featuring casinos that have sportsbooks.

Room for traditional online casinos
Although crypto is the central theme of the website, Crypto Lists also has listings of real-money-only casinos, since a considerable number of people prefer to use traditional currencies when playing. Many crypto casinos in the toplist accept fiat as an alternative funding method, and these brands are clearly reviewed, classified and listed as such. Branching out into 'traditional' casinos will help the toplist site to venture further into the online gambling space, adding more value for its visitors.

Contact Information:
Markus Jalmerot
Editor-in-chief
[email protected]
+351911065323


Original Source: Crypto Lists Adds Overview Section Dedicated to Casino

First-of-its-kind, a day-to-night clutch accompanied by a detachable chain that doubles as a beautiful fine jewelry necklace or bracelet

NEW YORK, February 2, 2023 (Newswire.com) - Designers Lepa Galeb-Roskopp and Jeffrey Levinson have collaborated to create a fully customizable luxury handbag that is both innovative and versatile. Combining Misahara's signature Chain City Chain with a dedicated version of Jeffrey Levinson's Finley Clutch, the stunning bag features a detachable 14K gold strap that doubles as a necklace. Levinson's Finley Clutch with hardware endcaps and Misahara's Levinson Chain are sold exclusively for the collaboration and cannot be ordered separately. 

The duality of the strap and necklace encompasses the designers' passion for beauty and technical excellence. Customers can personalize the dual-purpose strap and necklace by choosing from different gemstones, gold color, enamel, length, textures and more. Bag finishes and hardware can be chosen to match or complement the strap in an array of finishes including gloss, matte, translucent, precious metal, fine leaf, and exotics. Every detail and function was considered during the design process: The Finley Clutch is made from high-specification aerospace-grade aluminum, making it remarkably strong and lightweight; the handcrafted solid-gold strap underwent various stress tests to ensure durability when carrying the bag.

The Misahara Finley Clutch debuted to the press on Thursday, Jan. 26, during an intimate evening at designer Lepa Galeb-Roskopp's apartment in New York City. Editors from the top luxury publications were in attendance. The brands shared the story of the collaboration and the unique details of the product. Guests responded with enthusiasm in seeing two luxury houses coming together to create a first-of-its-kind product in this timeless clutch. Clients were able to begin the bespoke ordering experience the following morning, Jan. 27. 

The synergy between Misahara and Jeffrey Levinson ignited nearly two years ago when the collaboration began, and it stems from the designers' love of luxury cars. Misahara has been the exclusive fine jewelry brand partner of Ferrari North America for the last six years while Jeffrey Levinson has previously worked with Jaguar. Together, their love of luxury has resulted in a collaboration that combines quality, taste, and versatility. The Misahara Finley Clutch is available for order at Misahara.com and JefferyLevinson.com. Clients can contact either brand to begin the design process with Levinson and Galeb-Roskopp. The one-of-a-kind bags start at $10,000 and vary based on customization. 

About Jeffrey Levinson

Jeffrey Levinson launched his brand to create beautiful, timeless pieces inspired by his background in the automotive industry and his interest in merging design and technology. Now, the Jeffrey Levinson clutch is the modern accessory, a sleek and versatile clutch that was inspired by the iconic and revolutionary Jaguar D-Type. With a supremely comfortable feel, the technologically advanced Finley comes in an array of rich, vibrant colors ranging from $850-$4,750. 

Contact Information:
Jessica Kiraly
Mega Mega Projects
[email protected]

Julia Flynn
Cabine Creative
[email protected]
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Original Source: Misahara Jewelry and Jeffrey Levinson Join Forces and Create a New Category in Fine Luxury Accessories for Women