5 Best Personal Loans for Fair Credit for 2020

Are you wondering if there are personal loans for fair credit out there?

If you are, then the answer is a resounding “Yes.” There are, indeed, personal loans for fair credit available to you.

If you have fair credit, expect your credit history to be under the microscope by lenders when applying for a personal loan. But that shouldn’t stop you from getting a personal loan.

So, how do you get a personal loan when you have a fair or average credit?

While you may have fewer options, the best way to know for sure what’s available to you is to shop around and compare.

In other words, there are lenders that are willing to get you a personal loan even if your credit is simply average. You just have to know where to look.

A simple internet search of “personal loans for fair credit” can return thousands of results. That can be overwhelming to go through everything.

But don’t worry.

This guide will provide you a selection of the best personal loans for fair credit. It will also show you ways to fix a fair credit score to a good or excellent credit score.

What is a fair credit score for purposes of getting a personal loan?

Before we offer you a list of personal loans for fair credit, you need to know what a fair credit score is.

A fair credit score, according to Credit Sesame, is a credit score within the range of 640 and 680. It sits “between bad and good credit.”

With an average credit score in the mid 600’s, you more likely to get a personal loan than those who have a poor or bad credit score (which usually ranges between 300 to 600).

But you will not enjoy the same interest rate that someone with an excellent credit score would.

Great interest rates are reserved for people with excellent credit score.

What is a personal loan and what can it be used for?

A personal loan is a lump sum of money you borrow from an institution, and then repay that amount (with interest) over a set period of time.

There are two types of personal loans: secured and unsecured. For example, if you’re taking a personal loan to pay off credit card debts or to go on a vacation, that loan is an unsecured debt.

On the other hand, if you’re taking a personal loan to finance a car, you’ve taken a secured loan that is guaranteed by collateral, which is the car your purchase. 

Unsecured loans have more risks for lenders, because there is no collateral. So, they have to rely solely on your credit history and other aspects of your financial life. That’s why it may be harder to get qualified for an unsecured personal loan with bad or fair credit.

Can I get a personal loan with a fair credit?

The answer is “yes.”

While there are plenty of personal loans for fair credit out there, it’s not always the best idea to apply. One reason is that you’ll often be charged a higher interest rate than someone with a good or excellent credit score. 

In that case, it could be worth raising your credit score first before applying for a personal loan.

So while there are lenders who are willing to offer personal loans to people with fair credit if you’re struggling to get approved for a personal loan with a fair credit, you may want to consider improving your credit score first.

Click to get approved for a personal loan now

5 Best Personal Loans for Fair Credit

The better your credit score, generally the higher your chance is for getting approved for a personal loan.

If you’ve got an average credit, you may still get a loan but you will get a high interest rate.

Check out the list below to see some personal loans you may be eligible for.

1. LendingTree

Part of your search for the best personal loans for fair credit should start with LendingTree.

That is because LendingTree is not a direct lender of personal loans, but instead it’s an online marketplace that matches borrowers to lenders based on your individual qualifications.

It saves you time. Instead of applying to several lenders, with LendingTree you can shop around and compare the best personal loans on one website. It’s an all-in-one platform.

It just connects you with multiple lenders, you can get a personal loan with even a 600 credit score. 

2. Avant

Avant targets people with bad and fair credit. So, that means even if you have a credit score as low as 580, you may still get qualified for a personal loan. The loan amount ranges from $2,000 to $35,000.

Plus, Avant provides quick funding for personal loans.

3. BadCreditLoans.com

Just like Lendingtree.com, BadCreditLoans.com is another online lending network that connects you to a huge selection of lenders.

These lenders specialize in lending personal loans to people with bad or fair credit. You can get a personal loan from up to $5,000.

4. Payoff

Payoff provides loans to borrowers who have a tons of credit card debts. If you have high interest credit card debts, a Payoff loan can help you consolidate them.

While you can get a Payoff personal loan with fair credit, the minimum credit score is around 640, which is on the higher end of a fair credit score.

So if you have a less-than-stellar credit, you may postpone your personal loan application.

5. Prosper

Another peer-to-peer lender to get a personal loan with fair credit is Prosper. With Prosper, not only can you get loan approval the same day, you can also get funding the same day.

But the main downside is that Prosper requires a minimum credit score of 640, which is on the higher end of a fair credit score range.

Other ways to find personal loans for fair credit

When you’re applying for a personal loan, don’t underestimate banks. The options above are online lenders. But banks and credit unions do provide personal loans to people with an average credit.

Banks.

This includes all the major banks, such as Chase, Wells Fargo, Citibank, Bank of America, plus other small banks.

The main benefit of visiting a bank when applying for a personal loan, especially with a fair credit, is that you get to speak with a human being and has the opportunity to explain your financial situation.

For example, you might be able to explain that the reason for an average credit score is due to an unexpected medical bill.

That is not possible with online lenders where it is an automated system that’s reviewing your finances.

It’s even better to get approved for a personal loan even with a fair credit if you have an account with that bank. They can see your transaction history.

The disadvantage, however, is that a bank may not offer the most competitive personal loan rate, especially with a fair credit.

Credit Unions

Part of your search for a personal loan with fair credit should also include credit unions.

Credit unions are not for profit organizations and are more willing to approve you.

But to get access to the best rate, you’ll have to become a member.

Peer-to-peer (P2P) Lenders

Another alternative to banks and credit unions, P2P lenders can provide you with a personal loan even if your credit is average.

For example, LendingClub, a popular P2P, can get you a personal loan with a credit score as low as 600 — which is considered fair credit.

However, your rate may not be as competitive.

Tips to fix a fair credit if you can’t get a personal loan

Holding off applying for a personal loan to improve your fair credit to an excellent one is a good idea.

Not only will you get qualified, but you’ll also get a better interest rate.

Follow these tips to improve your credit score.

1. Get a copy of your credit report

The first step is to obtain a copy of your credit report.

The three main ones to get it from are Transunion, Equifax, and Experian.

By law, you can request a credit report once every 12 months.

But if you want to do so more frequently, you can request it from free credit monitoring services such as Credit Sesame or Credit Karma.

2. Make sure there aren’t any mistakes

Once you get a free copy of your report, make sure there aren’t any inaccurate information or listings.

If you find something that you’re not familiar with, dispute it immediately.

Sometimes it can be a harmless mistake such as a misspelling or an issue that has already been resolved. Some other times, it can be something more serious such as a credit card or a loan taking out in your name.

So it’s important to always check so you’re not a victim of identity fraud.

3. Pay off any credit card debts

Some debts like student loans (as long as you’re not in default) may not have an impact on your credit score.

But if you have outstanding credit card debts, make it a priority to pay them off.

Or at the very least, pay them down until your balance is at or below 30%. That’s called “credit utilization rate,” which is a big factor in calculating your credit score.

4. Pay your bills on time

Nothing will tarnish your credit score like late payments. That is because payment history accounts for 35% of your total credit score.

Before a lender can provide you with a personal loan, (whether you have fair credit or not) they look at your entire credit history.

A late payment history does not look good. It tells them that you’re not responsible with your money. 

So make an effort to pay your bill on time, even if you can only make the minimum payment.

5. Don’t apply for new credit

When you’re improving a fair credit to good credit in order to get a personal loan, the last thing you want to do is to apply for new credit.

That’s because each time you do, you rack up what’s called a “hard inquiry.” Each hard inquiry is recorded on your report. And hard inquiry accounts for 30% of your credit score.

One hard inquiry is nothing to worry about. But when you make several within a short amount of time, you’ll hurt your credit score. It also tells lenders that you are desperate for credit.

Consider a co-signer

While it makes sense to raise your credit score before applying for a personal loan, sometimes you just need the money right away. 

If that’s the case and can’t get approved on your own, then you will need to use a co-signer with good credit.

With a fair credit, using a co-signer should be able to get you qualified for a personal loan.

But, bear in mind that this is a big financial burden you’re putting on them. By accepting to co-sign a loan, they are also responsible to pay off the loan if you cannot. So don’t take it personal if they say “no.”

Summary

Can I get a personal loan with fair credit? The answer is “yes.”  Personal loans for fair credit are available. And the list above have the best personal loans if you have fair credit.While there are several personal loans for fair credit, it’s not always the best idea as you will often charged a higher interest rate and fees. In this case, it makes sense to improve your credit score first before applying.

Click to get approved for a personal loan now

Work with the Right Financial Advisor

You can talk to a financial advisor who can review your finances and help you save 100k (whether you need it to pay off debt, to invest, to buy a house, or plan for retirement, saving, etc). Find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.

The post 5 Best Personal Loans for Fair Credit for 2020 appeared first on GrowthRapidly.

Source: growthrapidly.com

5 Best Ways to Promote Your Small Business in 2021

As a small business owner, you may have a tough fight when it comes to standing out. Not only are you competing against other small businesses in your field, but you’re also competing against bigger corporations. And those big businesses have a more national reach and have the necessary cash to better promote themselves.

Do not lose hope just yet, however. There are a number of alternative options and ideas to make you, as a small business owner, stand out among your competitors. Also, it always helps to get some financial expertise on your side. So, consider working with an experienced financial advisor.

1. Engage in Social Media.

Big and successful businesses have the capital to promote themselves through advertisements and other marketing channels. But small businesses may face challenges to obtain financing to market themselves. So, for small businesses, the idea is to have a strong social media presence.

Not only is it free, also there is a personal touch that comes from operating a small business that big corporations may often lack. There are many social media platforms to market yourself (i.e, Facebook, Instagram, LinkedIn, Tik-Tok, YouTube, just to name a few). So, post regularly on these platforms and respond to people’s comments.

2. Start A Podcast.

Just like marketing yourself through online platforms can be rewarding, starting a podcast is also a good way to promote your small business. Talk about the subjects that people seek out when they need a solution to a problem. People will then see you as an expert in your field. That in turn can provide you with more leads and marketing opportunities.

3. Get Featured in Your Local Newspaper.

One of the best ways to get your name out there is to get featured in your local newspaper. This can be done for free or at a very low cost.

4. Establish a Good Relationship in Your Community.

It’s a good idea for a small business to establish a good relationship in their local community. If people always see you face-to-face in the community at charity events, or networking events, they are more likely to trust you and your product. Also, having a good relationship with your local bank will also help as you may one day want to ask for a business loan.

5. Apply for a Business Loan.

Lastly, consider applying for a small business loan. A small business loan can be a solution to your marketing strategy. It can help pay for your advertising cost without dipping into your own funds.

There is a challenge, however.

Many lenders require small businesses to have been in business for a number of years or to be making a minimum amount of revenue before they will lend any money. That is because these lenders want to make sure you will be able to pay off the loan, as many new businesses do not succeed.

So, do your shopping as there might be lenders that do not have any requirements at all. Before you start the process of applying for a small business loan, it’s a good idea to work out if you can afford it in the first place. 

Hire a Pro: Develop Your Financial Strategy

You can talk to a financial advisor who can review your finances and help you reach your goals. Find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.

The post 5 Best Ways to Promote Your Small Business in 2021 appeared first on GrowthRapidly.

Source: growthrapidly.com

Best Cryptocurrency Exchanges of 2021

If you’re looking to invest in cryptocurrency, you’ll generally need to buy it from an exchange. It’s similar to how stock exchanges work, although there are a few more factors to consider. 

In our analysis, we found several great options for people looking to get into cryptocurrency depending on your goals and how comfortable you feel with investing in crypto in general. 

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Most Important Factors for Cryptocurrency Exchanges

There are a lot of cryptocurrency exchanges out there, and at first glance, they all seem the same. However, there are differences between them, and the most important features to consider:

  • Security. Some exchanges are more vulnerable to hacking and fraud than others. Make sure you investigate the history of any crypto exchanges to see if it has a squeaky-clean record or if it’s run into any problems in the past. 
  • Liquidity. It may be harder to find buyers on smaller exchanges. The bigger the exchange, the more easily you’ll be able to buy and sell crypto.
  • Trading costs. Most cryptocurrency exchanges charge trading fees, so price out your options. 
  • Insurance. Unlike your bank’s FDIC insurance, cryptocurrency exchanges don’t have formal insurance programs, making them risky. Some do offer insurance in limited cases, however.
  • Ease of use. Some cryptocurrency exchanges are easier to use than others. This is an especially important factor to consider if you’re just getting started.   

The 5 Best Cryptocurrency Exchanges

Here’s a quick summary of the best exchanges according to what you’re looking for:

  • BlockFi: Best for buy-and-hold investors
  • eToro: Best for nervous investors
  • Gemini: Best for safety
  • Coinbase: Best for liquidity
  • Kraken: Best for cross-exchange trades

Cryptocurrency Exchange Reviews

It’s a good idea to do in-depth research about how each cryptocurrency exchange works before choosing one. Read several reviews written by different people, and search for any regulatory actions, hacking events, or other red flags. Here’s a quick review of each exchange to help you narrow down your list.

BlockFi Review

BlockFi is relatively new in the crypto exchange world, having been around since 2017. You can buy and sell crypto on this exchange just like any other platform, but BlockFi offers one big advantage that many others don’t have: you’ll earn interest on your crypto, and a lot of it. 

Interest rates as of this writing are up to 8.6% APY for certain types of crypto. BlockFi offers other ways to use your investment, too. You can take out a loan using your crypto as collateral, with same-day funding and interest rates as low as 4.5% APR.

eToro Review

eToro doesn’t have as many cryptocurrency options — just 17 choices — but what it lacks in selection, it more than makes up for with ease of use. That’s because it’s one of the only cryptocurrency exchanges that actually offers a practice account with a virtual $100,000 portfolio.

If you’re really nervous about investing in cryptocurrency and you’d like some practice before you put real money on the line, eToro is a great choice. It even offers a “CopyTrader” option where you can copy the same crypto trading strategies as top traders if you’re not comfortable devising your own investing plan.

Gemini Review

Founded by the Winklevoss twins of Facebook fame, Gemini is one of the largest cryptocurrency exchanges available today. It has many safety features: deposits in dollars (as opposed to cryptocurrency) are backed by FDIC insurance, and it also features insurance against system-wide hacks and other threats that aren’t your fault. 

Gemini supports a mobile and web-friendly interface, as well as an ActiveTrader option for more advanced investors. Gemini even offers interest of up to 7.4% APY on certain types of crypto if you’re a buy-and-hold investor, and as of writing, you can trade 60 different types of currency on the platform. 

Coinbase Review

Coinbase was one of the first cryptocurrency exchanges launched. It went online in 2012 as a way to buy and sell Bitcoin, the world’s first cryptocurrency. Bitcoin is still the leading star of Coinbase today, but you can buy 60 other cryptocurrencies as well. 

Coinbase’s strength is that it offers plenty of user-friendly education on how cryptocurrency works. There are a ton of articles on cryptocurrency in general, and on the intricacies of each individual option. There are even courses you can take for some of the more unique altcoins, and Coinbase even gives you a small amount of these currencies to play around with. 

Kraken Review

Kraken is another long-established cryptocurrency exchange. It’s been around since 2011 — an entire decade, which is ancient in cryptocurrency terms. It currently features 57 different currencies to choose from, as well as plenty of educational articles and videos. 

Beginners will find Kraken easy to use, but it offers far more advanced features, too, even margin trading if you’re comfortable living on the edge. It also has a robust “cryptowatch” feature to notify you when prices change, as they frequently do in the volatile crypto market. You can even trade on other, non-Kraken cryptocurrency exchanges through Kraken if another one is offering a better price. 

What to Know About Cryptocurrency Exchanges

Since cryptocurrency is entirely digital and operates mostly outside of government consumer protections, it’s especially important to know how to invest mindfully. If you’re not careful, you could lose your entire cryptocurrency balance. That would be especially damaging if you keep a large portion of your portfolio in cryptocurrency; it could all vanish overnight if you’re hacked. 

Most security experts recommend keeping your cryptocurrency in a cold wallet when you’re not directly trading it. This is something like a USB stick that literally allows you to securely store your crypto offline so that no one can access it without the physical hardware. When you’re done trading, simply offload it to the cold wallet, and keep that in a safe and secure place. 

Of course, that’s a bit more challenging if you’re keeping your crypto in an interest-bearing account. In that case, you’ll need to physically leave it there. You’ll need to weigh the risks and whether you’re comfortable doing this, and that’s why it’s especially important to vet these services accordingly. 

A Better Understanding of Cryptocurrency Exchanges

There are two main types of cryptocurrency exchanges: centralized (i.e., located in one place), and decentralized (i.e., spread across multiple locations, with no one single server reigning supreme). We’ve included centralized exchanges in our review since they’re the largest, most liquid, and most beginner-friendly. 

However, if you become more concerned about security and safety as you go down the crypto road, it’s important to be aware of the decentralized exchanges, too. They have an advantage in that a single hacking attempt can’t wipe them out. A centralized exchange, like Coinbase, could theoretically be levelled in one attack. It’s unlikely to happen, but it’s possible. 

Decentralized exchanges are also anonymous, which can be good or bad depending on your motives. They also tend to be smaller and less liquid, so you may not have as easy of a time completing your orders.

The post Best Cryptocurrency Exchanges of 2021 appeared first on Good Financial Cents®.

Source: goodfinancialcents.com

5 Best Moving Companies

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Yes

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One of the biggest decisions in making a move is choosing the right moving company. Since most people move only occasionally, the selection process can be a challenging one. But to help you in that effort, we’re providing this list of the five best moving companies, as well as specific information you need to be an informed consumer in the selection process.

The most important factor in choosing the right moving company is to find the one that provides the highest level of service for the best price. Choosing the company that only offers the lowest price can lead to an unnecessarily complicated and stressful move.

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Congratulations on your new home! Now, let a Moving Company do the heavy lifting.
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The Most Important Factors for the Best Moving Companies

The most important factors in choosing the right moving company – which are the same ones we’ve incorporated into this guide – are as follows:

  • Coverage area – does the company provide moving services to the specific region of the country you are moving to?
  • International moves – this is a special type of moving service, not offered by most moving companies.
  • Provide packing supplies – one of the biggest ways to save money on a move is to do your own packing. Does the moving company provide supplies to help you do this?
  • Offer packing and unpacking services – you’ll need to work this into the search if that’s your plan. But even if you intend to do your own packing, it’s still best to choose a company that offers the option – just in case.
  • Special items transport – this can include artwork, or large or expensive pieces of furniture. If you have any, you’ll need a moving company that will transport them.
  • Vehicle transport – if it’s a long-distance move, you may prefer to have the movers transport your vehicles, then fly to your destination.
  • Insurance options – the movers themselves should be properly licensed and insured. But they should also provide an option for you to buy insurance to cover your contents during the move.

The 5 Best Moving Companies of 2021

We’re going to go into a deeper review of each of the five best moving companies of 2021, but the table below provides a summary of the major features offered by each. You can scan the table, then decide which movers you want to focus on in the reviews.

Trinity Moving and Storage Review

Trinity Moving and Storage LLC are moving and storage brokers that enable you to get a quote 24 hours a day, seven days per week. They provide residential services, including packing and storage, and are available for long-distance moves nationwide. The company also offers corporate moving and relocation. They provide these services through a network of local providers and storage facilities.

The company made our list because they provide moving and storage services nationwide, provide packing supplies, as well as packing and unpacking services, and also offer insurance options to protect your belongings during the move. The company can also accommodate special items, and even move your vehicles.

Pros and Cons

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Pros
    • Operates nationwide
    • Packing and unpacking services provided
    • Insurance coverage options
    • Storage facilities nationwide
    • Quotes available 24/7
Cons
    • Does not accommodate international moves
    • Does not accommodate international moves Makes use of independent providers, which means your results will depend upon the specific provider used

Allegiance Review

Allegiance Moving and Storage LLC is also a moving broker taking advantage of a large database of recommended moving companies. They represent companies that can provide moving services locally or nationwide. Services are available for both residential and commercial moves.

 

As a moving broker, Allegiance represents your interest in the moving experience. They negotiate competitive prices on your behalf, which they’re uniquely positioned to do as a high-volume provider of customers. Discounts are provided when you reserve a move through the company. They handle all the research and prescreening of moving companies to make sure you have a stress-free move.

Pros and Cons

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Pros
    • Nationwide network of movers
    • Provides discounts for booking your move through the company
    • The company website is a virtual library of information on moving
Cons
    • Makes use of independent providers, which means your results will depend upon the specific provider used
    • Not available for international moves

New Leaf Review

Family-owned New Leaf Moving Group is located in Florida, and accommodates both local and out-of-state moves. Services are available for both residential and commercial moves. The company also offers storage services, though their facility is located only in Florida.

 

Moves are available seven days per week, 9:00 AM to 8:00 PM, including weekends. Provides for transport of special items, including pianos, which not all movers will accommodate. The company also has one of the most flexible cancellation policies in the industry. Your deposit can be refunded up to five business days prior to the first available pickup date you reserve (though a 5% cancellation fee will be deducted from the refund of the deposit).

Pros and Cons

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Pros
    • Designed primarily for customers in the state of Florida, where the company has multiple offices
    • Will move special items, including pianos
    • One of the most generous cancellation policies in the industry
Cons
    • Storage and packing services are available only in Florida
    • Does not accommodate international moves

Nationwide Moving Services Review

Nationwide Moving Services Inc. is a full-service moving broker. That means the company works with a network of moving and storage providers. All providers are fully licensed and insured to operate throughout the US. The company provides local and long-distance moving, for both commercial and residential moves.

The company is especially strong on moving special items. That includes not only vehicle transport, but also moving pianos, pool tables and fine art, as well as providing military, senior and student moving.

Pros and Cons

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Pros
    • Excels at moving special items, including pianos and fine art
    • Specializes in providing military, senior and student moves
    • Company website emphasizes particular expertise in packing services
Cons
    • As a broker, you’ll ultimately be dealing with the contracted mover, not with t
    • Does not provide international moves

Monster Moving Review

Monster Moving, Inc. is another family owned and operated moving company, and it’s been in business for 25 years. They provide moving for both local and long distance, as well as packing and storage. The company handles both residential and commercial moves.

One of the advantages of using Monster Moving is that there are no fuel charges on local moves. They also provide complementary wardrobe boxes for your move, which are super important supplies that only experienced movers know about. In addition, they have no minimum weight requirements for long-distance moves. So, if you’re going long-distance, and packing light, Monster Movers may be the right choice!

Pros and Cons

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Pros
    • Family-owned business, operating for 25 years
    • No fuel charges on local moves
    • Complementary wardrobe boxes provided for your move
    • No minimum weight requirements for long-distance moves
Cons
    • Does not offer international moving services
    • Doesn’t indicate a vehicle transport is offered

How We Found the Best Moving Companies of 2021

To determine what we believe to be the best moving companies of 2021, we used certain criteria that’s both common and necessary within the moving industry.

Those criteria include:

Coverage Area

There are thousands of moving companies across the country, but many only cover a local area. Their area of operation may be limited to a single state, neighboring states only, or even a limited area within a very large state.

That type of company is an excellent fit if you’re doing a local move. But if you’re moving hundreds of miles, or even clean across the country, you’ll need a moving company that can get the job done, even if you need to move coast-to-coast.

Each of the companies included on our list provide nationwide moving services. This is done either by the company itself, or by an extensive network of providers that operate across the country.

Unfortunately, none of the providers offer international moves. That seems to be a specialization requiring the services of a company dedicated to foreign moves.

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Provide Packing Supplies

If you’ve ever moved before, you know how important packing supplies are. This will include boxes, pads, plastic wrap, Styrofoam packing peanuts, paper wrapping for breakable items, as well plenty of packing tape.

All five of the companies on our list provide these supplies. They are as important to the packing process – if you plan to do that yourself – as the movers themselves are.

Offer Packing and Unpacking Services

Packing and unpacking services can significantly increase the cost of a professional move. But if you lack the time and patience, and have the budget to pay for it, packing and unpacking services are a major relief. Most of the time spent preparing for a move, as well as the aftermath, is in packing and unpacking. The option to hand that job off to the moving company is a major benefit.

All five of the providers on our list offer both packing and unpacking services. This is an important option to have, even if you don’t plan to take advantage of it upfront. Circumstances may intervene and prevent you from handling the packing job yourself, either before the move, or upon arriving in the new location.

Special Items Transport

Plenty of moving companies will move basic items, like furniture, appliances, rugs, lamps, and boxed items. But some draw the line at moving items that may require special handling. This can include high-value items, or anything that may be especially delicate.

True story, I once hired a moving company that didn’t move houseplants. The reason they didn’t is because they didn’t want to be responsible if a plant died during the move.

All the moving companies we selected will move special items, but the list of those items will vary from one company to another. Nationwide Moving Services is particularly strong in this area, because they will move items like pianos and fine art.

Vehicle Transport

Though it’s common for people to hire a moving company to move their personal possessions, then drive to the new location themselves, there are times when that is impractical. This is true during multistate moves, or you may simply prefer to have the moving company transport your vehicles, freeing you to fly to the new location.

Three of the five companies we’ve included on this list specifically provide vehicle transport. It’s likely the other two do as well, but just don’t say it explicitly.

Insurance Options

There are two parts to this category. The first involves insurance maintained by the movers themselves, and the second is coverage for the content you will be moving.

Three of the five companies on our list explicitly state insurance coverage. But it’s very likely the other two do as well, and simply don’t include it on the websites.

What You Need to Know About the Best Moving Companies

Choosing the best moving company is a difficult process because most people don’t move very frequently. There may be a tendency to emphasize price as the primary determining factor but be careful! Price is always a consideration, but what’s more important is to weigh the services provided for the price charged.

The cheapest provider may be the least reliable, and fail to offer services, you may fully expect. For example, you may find the lowest-cost mover won’t transport certain special items, or your vehicles if yours will be a long-distance move.

You may also find the cheapest mover offers little or nothing in the way of packing supplies. And if you have any idea you might be in need of professional packing services, you should work with a company that at least provides the option.

Finally, be sure to check out the reputation of any company you are considering. You can do this by checking with the Better Business Bureau, the local Chamber of Commerce, or on websites like Yelp. If possible, the best indication of reputation will be a referral from another person. Though it isn’t a guarantee you’ll have a similar experience, another person who’s worked with a moving company can give you the details of the company’s strengths and weaknesses.

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FAQ
Who is the best moving and storage company?
chevron-down
chevron-up
There’s no one best moving company in all geographic regions, for all individuals, and for every moving situation. You’ll need to start by evaluating exactly what it is you need in a moving company then find which company best matches that need. Price is always a factor of course, but only if the company is able to provide all the services you need.
How do I find the best moving company?
chevron-down
chevron-up
Start by investigating the five best moving companies included in this guide. But you’ll have to investigate at the local level. Sometimes a company that has good ratings nationally doesn’t have the best reputation locally. Getting referrals from others who have recently used a moving company is one of the best strategies. But be sure to consider three or four companies to make sure you’re getting the best for you.
Who is the most affordable moving company?
chevron-down
chevron-up
There’s no one company that will be the most affordable for all consumers in all situations. You’ll need to get competitive quotes from several different companies. But that’s just a starting point. In addition to looking at prices offered, carefully examine what services each provides. You may find the company with the lowest price is excluding certain very important services for your move.
What is the best moving company for short distance?
chevron-down
chevron-up
personnel and resources in your area. They can often be lower in price, since they don’t have the costs associated with maintaining national marketing and moving networks. Once again, get referrals from others you know who have recently used local moving services. Get quotes from several and do a side-by-side comparison to see which provides the best combination of price and service.

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The 5 Best Hyaluronic Acid Serums

Woman using best hyaluronic acid serum

Hyaluronic acid has gained a reputation of being a miracle product for the skin, and for good reason. It relieves dry skin, accelerates the healing of wounds, and reduces the appearance of fine lines and wrinkles. And that’s just to start. It can be a key ingredient in moisturizers and face masks, or it can be concentrated in a serum that you can apply as part of your everyday skincare routine. 

If you’re looking to give this versatile product a spin, any of the five below are excellent picks that won’t break your budget. (See also: The 5 Best Stay-At-Home Skincare Essentials)

Top 5 Hyaluronic Acid Serums

Cosmedica Skincare Hyaluronic Acid Serum

The Cosmedica Skincare Hyaluronic Acid Serum is a best-seller on Amazon and can be used on all skin types. This serum is natural and organic, and improves overall skin texture and brightness. You’ll see a noticeable difference in your skin in terms of plumpness, softness, and balance. And it’s cruelty-free, paraben-free, and without dyes or fragrances. 

It’s also backed by over 15,000 five-star reviews on Amazon.

Currently $15.00 at Amazon.com

The Ordinary Hyaluronic Acid + B5 Serum

The Ordinary Hyaluronic Acid + B5 Serum is famous for a reason. This brand creates simple, straightforward skincare products for all skin types. The hyaluronic acid + B5 serum has a concentration of 2% for multi-depth hydration in a water-based formula and the B5 also enhances surface hydration.

This serum is cruelty-free and backed by over 2,000 five-star reviews on Amazon.

Currently $16.95 at Amazon.com

TruSkin Vitamin C Serum With Hyaluronic Acid

TruSkin Vitamin C Serum With Hyaluronic Acid is the perfect blend of ingredients that your skin needs. Vitamin C blends with hyaluronic acid and vitamin E in this advanced formula to target common signs of aging, including dark spots, sun spots, brightness, firmness, wrinkles, and fine lines. And it’s free of synthetic color additives, fragrance, and stabilizers, while dynamic active botanicals like Aloe Vera, MSM, Botanical Hyaluronic Acid, Witch Hazel, and organic Jojoba oil make this serum feel silky smooth on the skin.

It also has over 15,000 five-star reviews on Amazon.

Currently $19.99 at Amazon.com

Yeouth Pure Hyaluronic Acid 

Yeouth’s Pure Hyaluronic Acid can diminish signs of dark circles, age spots, and puffiness when used regularly. This formula is made from naturally-derived ingredients that protect and nourish even the most sensitive skin, including delicate skin around the eyes and lips. It boosts collagen production and holds in moisture. 

It’s also cruelty-free and paraben-free, and backed by over 3,000 five-star reviews on Amazon.

Currently $21.95 at Amazon.com

Tree of Life Hyaluronic Acid Serum

The Tree of Life Hyaluronic Acid Serum also has vitamin C and vitamin E, and this formula is infused with special anti-aging ingredients designed to further enhance and activate hyaluronic acid’s moisturizing properties. Hyaluronic acid is known for helping the skin stay supple and soft and reducing wrinkles and age spots.

It’s backed by outstanding online reviews, including over 3,000 five-star reviews on Amazon. 

Currently $10.95 at Amazon.com

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