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

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.

What to Know About Fix-and-Flip Loans

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.

What to Spend Money On

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!