Ana-Maria Sanders, author at OpenCashAdvance.com
Financial Analyst

Ana-Maria Sanders

Ana-Maria Sanders is a financial analyst at OpenCashAdvance.com. She provides guidance to businesses and individuals making investment decisions. When not writing about money, Ana-Maria enjoys spending it.
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Recent Blogs

CashNetUSA Overview and Alternatives

Company Profiles
Find out more about CashNetUSA and the loan products offered by the company. We provide a comprehensive overview of the pros and cons.

Check Into Cash Overview and Alternatives

Company Profiles
Find out more about Check Into Cash and the loan products offered by the company. We provide a comprehensive overview of the pros and cons.

13 Ways to Invest in Yourself

Best Practices
Investing in your future involves more than just saving money. Read on to find 13 ways to invest in your future education, finances, health, and education.

Speedy Cash Overview and Alternatives

Company Profiles
Find out more about Speedy Cash and the loan products offered by the company. We provide a comprehensive overview of the pros and cons.

7 Most Common Unexpected Expenses

Best Practices
Unexpected expenses can creep up on you out of the blue. Keep reading to familiarize yourself with the more common unexpected expenses and what you can do to prepare for them.

Difference Between Nominal and Real Interest Rate

What's the difference between nominal and real interest rates? We discuss this, how to calculate each, and why being familiar with it matters.

How To Make Money with Airbnb Without Owning Property

Even if you don't own property, you may still be able to make money from Airbnb. Here are a few of the top ways to earn income from Airbnb without owning property.

Ten Key Components of Financial Planning

Best Practices
Whether you're creating a new financial plan or revamping an old one, these 10 key components can help you create a successful financial plan that can lead to security.

Financial Freedom vs. Financial Independence

Best Practices
Financial independence and financial freedom are both goals many individuals strive to achieve. We cover the differences between financial freedom vs. financial freedom and how to accomplish both.

I Lost My Job and Have No Money: How Do I Pay My Bills?

Best Practices
If you've recently lost your job, you're undoubtedly under a lot of stress. However, there are still options to cover your bills and necessary expenses. Consider these alternatives while you search for a new job.

How To Save Money from Salary

Best Practices
Saving money from your salary can help you reach your financial goals. Here are some ways you can start saving more.

What Does the Removal of Medical Debts from Credit Reports Mean?

As of March 2022, the three major credit bureaus are removing medical bills from U.S. consumers' credit reports. What does this mean for you?

Which is Better for You: Crypto.com vs. Coinbase

Best Practices
Looking to jump into the cryptocurrency market? With so many trading platforms to choose from you may be wondering which is better for you. We compare Crypto.com vs. Coinbase so you can make the right decision.

Living Below Your Means: Tips and Benefits

Best Practices
If you're looking to implement healthy financial habits, you may consider living below your means. As a result, you may experience a more stable financial future. Here are the steps to get started:

10 High-Income Skills to Learn in 2022-23

Best Practices
Want to secure a higher-paying job? Here are the top 10 high-income skills to learn to help open doors for you to earn more money.

How to Protect Yourself from Dollar Collapse

Best Practices
Although the U.S. Dollar is one of the more stable currencies, it is still vulnerable to inflation and diminishing buying power. Even though it is unlikely, the U.S. currency can collapse. Don't be caught off guard if this happens. Keep reading to learn how to take proactive steps to protect yourself from the dollar collapse.

10 Best States to Raise a Family

Thinking of moving to another state? Here are the 10 best states to raise a family based on affordability, education, child care, health, and safety factors.

Cash App Business Account vs. Personal Account

Best Practices
Debating between a Cash App personal vs. business account? We've compiled their pros, cons, and perks to help you decide which one is the best fit.

14 Ways to Stick to a Budget and Avoid Overspending

Best Practices
Getting your finances in order doesn't happen overnight. It requires meticulous planning and discipline to stick to a budget and avoid overspending. The following 14 ways should get you started in the right direction.

What Is a Financial Background? How to Check It Yourself

Best Practices
It is important to maintain good financial standing. One way to check if your finances are doing well is to conduct a financial background check. We go over the basics of what a financial background check is and how to check it yourself.

Fixed, Variable, and Periodic Expenses

Best Practices
Before getting your finances in order and creating a budget, you need to know the differences between fixed, variable, and periodic expenses. Keep reading to understand how these costs differ and how you can change your spending to save more money.

Cheap vs. Frugal

Best Practices
Although cheap and frugal may seem synonymous, they refer to two different types of people. Both cheap and frugal individuals aim to save money. We compare cheap vs. frugal people and the pros and cons of each saving method.

60-Day Rollover: What You Need to Know

Best Practices
The IRA has special rules and regulations when it comes to rolling over accounts. To ensure you make a smooth transition, the following guide will help you know what to expect.

What Benefits Can I Claim When Pregnant and Unemployed?

Best Practices
Expectant mothers can face hefty costs during their pregnancy that may strain their finances. Although this may be daunting, don't fret. Many government and private organizations offer assistance to future mothers.

How to Get Free Cryptocurrency

Best Practices
If you've ever wondered whether it's possible to receive free crypto, it is. We offer some old and new ways to get free cryptocurrency.

What Happens to Your 401k When You Leave a Job?

Best Practices
Since your 401k is linked to your employer, you won’t be able to contribute to it anymore when you quit your job. If you want to keep adding to it, you can move it out of your old company’s account and into a new retirement savings plan.

What Is the Risk Management Process?

Best Practices
Risk management refers to recognizing potential dangers and taking appropriate measures to mitigate them. The process includes designing action plans for all off-the-track situations. There are four simple steps to follow. This blog will delve into the process and the pros and cons of managing risks in your day-to-day operations.

How Does Refinancing Work on a Car?

Loan Advice Best Practices
Refinancing a car loan is replacing the existing loan with a new one with different terms. Typically, this is done through a different lender, and your car acts as collateral to secure the new loan. In general, auto refinancing is a good choice when it helps you save money in interest.

Personal Loans vs Payday Loans: Top Differences

Loan Advice
A payday loan is a small, short-term type of financing, usually ranging from $100 to $500. To get more financing, the borrower may apply for a personal loan.

What Must an Entrepreneur Do After Creating a Business Plan?

Best Practices
The first step to starting a business is creating a business plan. To ensure sustained growth, an entrepreneur must consider many factors, including how they will fund the business, where they will establish their presence, and proper licensing.

Grant vs Loan: What’s the Difference?

Loan Advice
When you need financial assistance, many options can help you, such as getting a grant or a loan. However, before you decide which solution is best for you, familiarize yourself with each product to make an informed decision.

An Introduction to Alternative Lending

Loan Advice
It can be challenging to qualify for traditional loans, but banks aren’t the only sources of funding as the alternative lending industry continues to grow. Application and approval processes for these loans are relatively faster and more convenient through the use of machine learning. Alternative lenders also assess risk differently when determining an applicant’s eligibility, which may offer more funding options to borrowers.

How to Avoid Cash Advance Collection Scams

Best Practices
Scam collection operations are nothing new. Although we can’t help you avoid them altogether, there are some surefire signs to look out for.

Why is Financial Literacy Important?

Best Practices
What does financial literacy mean and how do we use it in the real world?

Sole Proprietorship Vs Independent Contractor

Best Practices
What are the differences between a sole proprietorship vs an independent contractor?

Lease vs. Loan: What is the Difference

Loan Advice
Leasing and financing are two forms of asset acquisition. Depending on your financial situation, short-term and long-term goals, both options have their advantages and disadvantages. It’s best to compare a lease vs. loan side by side to see which one is right for your situation.

LLC Business Loans: What You Need to Know

Loan Advice
A limited liability company (or an LLC) is a business structure that implies personal liability similar to a corporation but follows the tax structure of a sole proprietorship or partnership.

Guaranteed Payday Loans

Loan Advice
Online payday loans offer misleading promises of guaranteed approval. Lenders might make these statements, but you could soon find that is not the case. Since you must fill out the application before you know if there is a guarantee, it could negatively affect your credit. Your best bet would be to compare all options and do your research before deciding what loan works best for you.

401(a) vs. 401(k) Plans: What’s the Difference?

Best Practices
The main differences between these two types of retirement plans have to do with eligibility requirements, employer control and employer contribution amounts, and tax advantages. Below, we’ll break down the differences between types of retirement plan contributions and answer all of your basic questions about retirement planning with a 401(a) and 401(k) account.

How to Buy Stripe Stock

Best Practices Company Profiles
Lots of investors want to buy Stripe stock. It’s no surprise. Stripe is one of the most popular solutions for online payment processing. The company’s payments infrastructure is used by internet businesses of all sizes. Everyone from startups to well-founded firms use Stripe to receive online payments.

Sending Money from Cash App to PayPal

Best Practices
Cash App and PayPal are two of the most popular ways to send and receive money. If you happen to use both services and wonder how you can connect Cash App to PayPal, keep reading to find out how you can achieve that.

What Food Can You Buy with an EBT Card?

Best Practices
If you are a new SNAP recipient or regularly walk your grocery store aisles wondering what items your food stamp benefits apply to, this is the blog for you. We'll discuss eligible food items with EBT (previously the federal food stamp program). As a bonus, we'll also share some money-saving tips so that you can stretch your EBT as far as possible.

Fix-and-Flip Loans for Beginners

Best Practices
Investing in real estate is one of the most effective ways to build wealth. Fixing and flipping a rental property is just one way a real estate investor does that.

What Questions Should You Ask Your Financial Advisor?

Loan Advice Best Practices
Your financial advisor can guide you in the right direction when it comes to finances and expenses.

The Ultimate Guide to Walmart Affirm

Company Profiles
When shopping online, but more likely in-store, you may have heard the term ‘buy now, pay later.’ It is the new term for an old concept: financing offered by retailers to customers who don’t want to pay 100% of their purchase up front. When used responsibly, this payment option can be a useful resource for consumers who need items before they have the money to buy them in full.

Payday Loans for Bankrupts

Loan Advice Best Practices Company Profiles
Declaring bankruptcy can have a negative impact on your credit report. After filing, a consumer will likely have to wait years before traditional lenders will work with them again. Fortunately, there may be a path to approval using payday loans for bankrupts. Alternative financing has more lenient eligibility criteria, and lenders in this sector work with people of all credit types.

The Difference Between Gross Rent and Net Rent

What is the difference between gross rent and net rent? Let's take a look at the guide below to have a better understanding.

How to Receive Your 2020 Stimulus Check in 2021

Best Practices
Last April, the IRS issued what would be the first of two waves of stimulus checks with the hopes of providing relief to sudden unemployment or financial instability due to COVID-19’s early effects.

Tax Avoidance vs. Tax Evasion: What's the Difference?

Best Practices
What is the difference between tax avoidance and tax evasion? Let us find out in the article below.

What Are Passive Income Tax Rates?

Loan Advice Best Practices Company Profiles
Uncle Sam is always changing his mind about how much to tax passive income. To add to the confusion, the IRS treats passive income differently than any other type of payment. In the US, there are three types of income subject to tax: passive income, earned income, and portfolio income. As with earned income, passive income is usually taxable, depending on factors discussed further in the article.

The Importance of Cyber Security in Banking

Best Practices
How safe is online banking? Many Americans are unaware of the possible cyber security threats that come with online banking. Learn about how banks protect your private information and the privacy policies designed to ensure online security.

Top Things to Spend Money on For a Happier Life

Best Practices
If you're worried about spending a lot of money on something you'll never or very rarely use, you can put your money towards one of the more practical (but still luxury) everyday items. Or, if you have the cash and desire to splurge on something a bit more outlandish and flashy, we've included some of those options as well. Read on to find ideas for your next big splurge!