Home > Author Archives: Kim Parr

Author Archives: Kim Parr

Kim Parr is a private practice optometrist, freelance writer, and personal financial blogger. You can follow her journey to 20/20 financial vision at Eyes on the Dollar.

Kaiku Prepaid Visa Debit Card Review

using a prepaid debit card instead of a bank account

Are we coming to a time when there is no need for traditional bank accounts? The creators of Kaiku are certainly encouraging that trend with their new prepaid Visa debit card. The card is targeted toward millennials (ages 18-34), but there is no law that says older folks won’t get some use out of this type account. Here is my review of the Kaiku Prepaid Visa Debit Card. What Is Kaiku? Kaiku is a prepaid Visa debit card that can be used any place Visa is accepted. The Kaiku card comes in several trendy colors like Shark Bite Teal or Ninja Black and is meant to be a simple, fast way to manage money for those on the go who don’t want tons of rules and red tape. Money can be loaded to the card by using their online site or through direct deposit of paychecks. Cash can be added to the card with Redilink or MoneyGram at any location that offers those services.  If you work for an employer who still uses paper checks, there is a handy mobile app that allows deposits by taking a picture of the check. When in need of cash, the Kaiku card can ...

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Leg It: Thrifty Tips for Touring London in Style

cheap ways to see London

We’re all on a budget, but that doesn’t mean we can’t or shouldn’t have fun. If you’re taking a trip to London, you want to enjoy yourself. Here’s how to do it without breaking the bank.  Book Your Trip In Advance If you have the option, definitely book your trip in advance. Sites, like Hipmunk can help you navigate deals and find the best flights, vehicles, and other travel accommodations. Flying to London can get pretty pricey, especially if you’re coming from the U.S. or some other country outside of Europe.  Get a Good Deal On A Hotel Getting a good deal on hotels in London can be tricky. They tend to be smallish and overpriced. London is the capital city and, like most capitals, it’s cramped and expensive. It can cost several hundred dollars a night. Even a dorm-style hostel can run you $80 U.S. per day. Most people never get deals like this and so they skip the city altogether. If you’re going to stay here for any length of time, a hostel is probably the best way to go. While you can spend $80, you can also find places like the Astor Kensington, which has dorm-style beds ...

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Ways Renters Can Save Money

ways to save money when renting a house

After being a landlord for almost three years, I’ve learned that tenants do some crazy things. From showing up drunk at a move in inspection to leaving all kinds of valuables behind, I really am not surprised by very much anymore. Since I get to see things from a different perspective than most of my tenants, I’m going let you in on ways renters can save money. 1) Don’t Move If You Don’t Have To Every time you move into a new rental, there are expenses that include rental and utility deposits, costs of moving, and any new household items, like blinds or bath mats, that you might have to buy. You might get deposits back at some point, but you just as easily might not if your landlord requires a cleaning fee or deems something is damaged. Obviously if you have to change cities or live in a rental that’s in poor shape, it makes sense to leave when your lease is up, but what if you don’t mind your place? Do your best to stay put. The grass is not always greener in a different home. Even if the landlord wants to raise rent, you have some options. ...

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The Different Types of Installment Loans

types of loans

An installment loan is a loan that allows you to pay back the loan with a number of scheduled payments over an agreed amount of time. Today, we are discussing the different types of installment loans so you can see which one is ideal for you. Keep in mind credit cards work in a similar manner but they are not considered installment loans. Unsecured Installment Loans Unsecured installment loans are usually for a small amount of money and have higher interest rates. However, they happen to be the most common type of loan found online. With this specific loan, you receive the money from the financial institution and pay back the loan over an agreed amount of time. You can utilize this loan when you need money only for a short period – 5 years or less. Lastly, when you make your payments on time it can help you rebuild your credit. Student Loans Student loans are another type of installment loan. With student loans, you receive a set amount of money for your educational costs and then once out of school you pay back the loans by paying a set amount each month. Student loans also allow you the ...

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Five Excuses You Should Never Use Again

Don't let excuses keep you from goals

Excuses. We all use them, sometimes out of convenience, sometimes to make ourselves feel better. They are a necessary part of life, but when you use excuses to the extent that they become reality and lower your potential, it’s time to learn some new ways of thinking. Here are five excuses you should never use again. I Can’t Afford It I have used this excuse a million times in the past. I think it’s truth in many situations. If you make $25,000 a year and want a $500,000 house, you really can’t afford it, but when you use this excuse to stop yourself from saving or investing, that’s when it becomes a problem. I strongly believe everyone can come up with an extra $500 a month or more if they put their minds to it. The problem is that most people are unwilling to step outside their comfort zone and take advantage of all the opportunities that are available. I can’t afford it is also a very negative way to view the world. Denying yourself something by thinking you don’t have enough money is the wrong way to go about it. Remind yourself that you can afford it but choose not ...

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