Refinancing Your Student Loan – Everything You Need to Know

Student loans are a real burden, and it is hard to ignore their pressure. Nonetheless, there are various methods that can be used in order to make the debt easier for you. Refinancing your student loans can be a lifesaver for many. There is a chance that you will be able to lower your rates, reducing your interest.

Take a look at your loans

Before you make any decisions, you should analyze your loans carefully. Check whether they are federal or private loans and see which lender you have for each one. It is essential that you know all the details about your loans because you can use that information in order to determine the right choices for you.

Each option comes with different restrictions. For example, certain programs won’t allow you to merge federal and private student loans to a single payment.

Do the numbers

You want to know precisely what are the advantages of refinancing, which means that you should calculate them. You should see what your average interest rates and the overall balance owed are. There are online calculators which will show you exactly how refinancing will help you.

Finding a lender

Choosing the right lender is perhaps the most critical step. There are plenty of options so you should be careful. You can take a look online and see articles and reviews which contain useful recommendations. Make sure that your lender offers plenty of benefits and see if he or she offers something extra as well. For more information, you can take a look at

Know your Rates

When you take a look at the lenders’ offers, you will see that they have both variable and fixed interest rates. You may find it difficult to decide which ones are best. It is up to you whether you want the rate to remain the same or adjust in time.

Finding a co-signer

If you can’t find a rate that is low enough you should try finding a co-signer with good credit. When you have a co-signer, lenders won’t see you as a risk any longer. While it might be difficult to find someone who is willing to take the risk, you could ask a relative or a friend to do it for you.


You are able to complete the application online in just a few minutes. Nonetheless, you will need some documentation. You must have last month’s pay stub, the latest tax return, proof of graduation as well as the latest loan statement for the loans that will be refinanced.

Usually, you should get your approval in a couple of minutes. You might be asked for other documentation as well.


How to Create an Affiliate Marketing Site with No Coding Knowledge

When researching ways to make money online, you have probably seen the term affiliate marketing over and over again. What do you do if you don’t have any skills in web development? How do you move forward with no coding knowledge? In this article, we will show you how to create an affiliate marketing site with little to no technical background.

What Is Affiliate Marketing?

Some people get confused with what affiliate marketing is and there are different variations. True affiliate marketing requires no buy in on the affiliate’s part, only the ability to drive traffic to offers so that people can convert to sales.

When you want to be an affiliate of a certain product or service, you can search online for company name “affiliate program” to see if they have an affiliate program available. There are many large retailers that have affiliate programs. You’ll even find that Walmart allows you to be an affiliate and the mother of all shopping sites (Amazon) will let you have a small piece of the pie as well.

You can also find digital products to promote that may have a higher percentage of commission than physical products. You can look around online until you find the right offer for your website and what you want to achieve.

Use WordPress

WordPress is by far the most used CMS (content management system) for affiliate sites. There are multiple reasons for using WordPress, but one of the main reasons that affiliates use WordPress is because of its SEO friendly nature. You can optimize your blog posts, pages, images and anything else that you can think of in order to be SEO friendly.

You can even add plugins like Yoast SEO to make your site even more likely to rank in the search engines. This plugin makes it easy for you to input your SEO optimized titles, meta description and target keywords. You will be able to see whether your page is well optimized and what needs be improved before you hit publish.

There are many different plugins that you can use to make your WordPress site more friendly. Whether these are video players and image enhancers or plugins to help with your site’s ability to load faster, WordPress is the best way to start your affiliate journey. Since you can continue building our your WordPress site, you can make it as large as you like without any page or post limitations. This is all for free except for that you need to purchase your own hosting.

Page Builder Plugins

If you are looking at your blank WordPress site as a major hurdle to your affiliate success, the good news is that there are solutions that will allow you to build attractive sites without having to figure out how to code at all. You can look through the best WordPress page builders for beginners  to find an option that will work for you.

If you find a good page builder, you will be able to drag and drop the elements (parts) that you want for your page. Most of the page builder options try to keep it simple since they understand they are catering to people that have a limited knowledge of technical coding.

While you are going to be able to enjoy simplicity with page builders, you should know that you may have to give up some ability to customize. After all, it is meant to be kept simple. There are some page builders like Beaver Builders that walk the line between total customization and ease of use.

With the increased ability to customize while using page builders, more website designers are opting to use these tools as well. If you learn how to use them properly, you can create stunning affiliate sites that rival sites that cost people thousands of dollars.

Site Navigation

If you want to have a successful affiliate site, you need to make sure that your site navigation is set up properly. People should be guided to the areas of your site that you want them to see. Don’t give them too many options or you are going to overwhelm them.

The more simple the design of the site, the easier it is for people to digest. When you are setting up your site navigation, create categories that will tell people where they are and what they can expect. Make sure that you have easy access to any product or service reviews that you have done. You want people to be able to get to the links that will earn a commission for you. When you use WordPress, you can go into the menu option and easily change what pages or even custom links are set up in the navigation.

Give People Plenty of Information

Giving people the information that they need to make a decision does not require any coding. Your site should be full of good content that helps people make their way through the buying cycle. If you are simply focusing on content that helps people through the end of the cycle, you are missing out on a lot of traffic and potential customers.


You can build a successful affiliate marketing site even if you are a total beginner. Use the tips in this article to get started on your new project and starting seeing results in your new venture.

Was this article helpful and informative? Leave us a comment with your thoughts in the section below.

5 Lucrative Ways to Use the Internet

You just meant to take a quick peek on Facebook. Two hours later, you’ve found yourself viewing the wedding photos of a cousin’s friend’s uncle that you don’t even know. We’ve all been down the Internet rabbit hole, but it doesn’t have to be such a time suck. In fact, many have found ways to make money online with quick and easy methods. Read on for five lucrative ways to use the Internet.

  • Yep, There’s an App For That

Apps really changed the world of “extra money”, as there are plenty of ways to pick up what many jokingly refer to as a “side hustle”. There are probably even some with drive and dedication who have made these apps a full time gig. Whether you drive for Uber or Lyft, run errands for the Task Rabbit app, make deliveries for Postmates, or earn cash back by shopping with iBotta, the ways to make money in the app world are seemingly endless. Not only can you make good side money if you are strategic about it, you have the freedom to set your own schedule. Adding just one of these to your routine can help you rid yourself of excessive debt.

Techies could even consider developing an app. If you create one that becomes popular, it’s the ultimate in passive income. Keep in mind, though, you’re going to have to spend a lot of hours on the front end. It will be time and labor intensive to manage creating it as well as conducting the market research to target your audience.

There are even apps that allow you to market your abilities. If you’ve got experience in social media marketing, web development, graphic design, accounting, or SEO, use Fiverr. Upwork and 99Designs are apps that allow you to sell just about any professional service in existence.

  • Crypto is the Way to Go

Buying cryptocurrency is one way to make money online. Cryptocurrency is a digital currency that uses encryption techniques to regulate its generation and transfers—all outside the parameters of centralized banking.  This has been particularly appealing to those who value more privacy and also have been concerned with the many security breaches in mainstream banking. Although Bitcoin and Ethereum are the biggest and most well known cryptos, there are plenty of altcoins that have garnered a lot of attention for their lucrative exchanges. And while some have thought that it’s too late to get into this kind of trading, experts in the industry say this isn’t so.

  • Monetize Your Website

You might have just started a website for kicks but now that it’s getting some traffic, it’s silly not to monetize it. From affiliate marketing and pay per click programs (like Google AdSense) to accepting paid sponsorships and selling ad space, there are plenty of ways to go about making money off your blog and/or website. Have you written a book or eBook? Use your blog to sell this. It’s essentially free advertising. If you want to get the word out more, consider giving away a free eBook and then selling any subsequent versions.

If you’ve managed to attract an audience but are feeling ready for your next venture, you might even consider “flipping” your website. As this article notes, “If you’ve built up a following  (or possibly even sold a few products or included advertising on your site), you might be able to sell it to someone else and make a quick buck.”

  • Sell Yo Stuff

We’re not talking a garage or yard sale (although there’s nothing wrong with these). However, if you’ve got things that are valuable that are simply sitting around, there’s a place for that … online. From Amazon and eBay to Craigslist and eBid, there are no shortages of places for you to make money off your goods. There are a variety of apps for this, too, including OfferUp, Letgo, and 5miles. Some entrepreneurial types have even figured out ways to make selling items on eBay into a full time (or near full time) gig, but it takes a lot of elbow grease. As this article notes, “Like anything else, you need to do the proper research, but you can make significant amounts of money as an eBay Power Seller. Find the most successful eBay sellers in your niche and model after their success.” 

  • Rent Your Home on AirBnB

If you’ve got a granny flat or the like just gathering dust, why not make some money off that on AirBnB? If you’re really strapped for cash due to common money mistakes, you can even consider renting out a single room. You never know when a Millennial living with his or her parents will have had enough! Simply do your research on what the going rate is for a similar rental and charge something comparable. While you won’t get rich doing this, it’s a legitimately great way to make some extra cash.

If you’re like most people, you’re probably on the Internet much of the day anyway. Take advantage of that by using these five ways to roll in some funds for fun.

Considering Selling Your Gold (Or Silver) Online? Get To Know How To Find The Right Buyer!

Do you need extra cash and have some gold on hand? If so, you should definitely consider selling it online. There are many benefits of selling gold and silver online. One of the biggest benefits is an easy transaction. Another benefit is it cuts out the middle man, so you can get more. While some people tend to hang on to their precious metals, because they do not know how to find a reputable dealer, there are many ways to ensure a secure transaction. Below, you will discover a few tips that will help you find a reputable gold and silver dealer.


The first thing you should do is ask around to see if someone you know has every sold their gold online. Remember, the word-of-mouth is the best form of marketing. Not only does it help businesses, but also helps consumers find the best businesses to purchase products from. This method can also help you find the best gold buyers on the World Wide Web. Surely, someone you know has conducted such a transaction. And, if they have their recommendation will go a long way in helping you secure your future gold-selling transaction.

Read Customer Reviews

If you conduct a Google or Bing search utilizing the phrase “gold buyers online”, you immediately be provided with more than a few websites that offer this service. With so many options to choose from, how in the world do you select just one? Well, you can definitely utilize customer reviews to rule out the bad gold dealers. Of course, you cannot believe all of these reviews, because some consumers may have a beef with a specific dealer. So, your best bet is to try and read as many as possible to determine which ones have the most positive reviews.

Do A BBB Search

When it comes time for you to sell gold and silver for cash (online precious metals buyer), you should immediately go to the Better Business Bureau, better known as BBB, website. This organization was specifically designed to help consumers find reputable companies and service providers to do business with. It also acts as a mediator, helping businesses and their customers settle disputes. The BBB ranks companies utilizing what is known as an Accredited Business system. This system works very well in ranking companies, so consumers can determine if they are a good prospect or not.

Hit UP Social Media

Social media is a wonderful platform that allows people to communicate with others around the world. These platforms also allow consumers to find information about specific products, services, companies and websites. If you want to know something about a website, just hit up social media. You can go to Facebook, Twitter, Quora or Reddit. All of these social media sites have users that have sold their gold or silver online.

When you utilize these sites, you may be surprised to discover that someone has already started a conversation about online gold dealers. If not, you can start one to see what type of response you get.