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Michael Graw

Michael Graw

Michael Graw is a personal finance expert at BestMoney.com, specializing in online banking and insurance. His work has appeared in print magazines and on high-impact websites. With a passion for clarity and practicality, Michael helps readers navigate today’s financial landscape.

Posts by Michael Graw

Veterans United Realty Mortgage Loans Review

Veterans United Realty is a real estate agency that helps veterans buy a home eligible for a VA loan or sell their current property. The company has agents in all 50 states and partners with its sister company, Veterans United Home Loans, to offer VA loans once you find the perfect home. Veterans United has excellent customer reviews and helped over 100,000 veterans find a home.
Read ReviewFeb 16, 2026
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Figure Review

Figure offers personal loans up to $50,000 with competitive interest rates and fast funding. The application process is entirely online and you can be approved and have cash in your account by the next business day. Figure requires relatively good credit, but borrowers can enjoy competitive interest rates.
Read ReviewFeb 10, 2026
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PenFed Review

PenFed is the third-largest federal credit union in the US. The company offers a variety of personal loans up to $50,000. PenFed doesn’t charge origination or prepayment fees and you can pre-qualify with a soft credit check. This lender doesn’t specify a minimum credit score, but a score of 690 or above is preferred.
Read ReviewFeb 10, 2026
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Best Egg Review

Best Egg is an online lender that offers personal loans for borrowers with fair to strong credit. We like Best Egg because it offers an easy online application, money is sent to your account in as little as 1 day, and the loan interest rates are competitive. In addition, with Best Egg there’s no penalty for paying off your loan early.
Read ReviewFeb 10, 2026
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SoFi Credit Card Review

SoFi is a San Francisco-based bank founded in 2011 that offers investment accounts, checking/savings accounts, personal loans, mortgages, student loans, and now a credit card. The SoFi Credit Card carries no annual fee. You can earn 2% cash back on everyday purchases when you redeem into a SoFi savings account, investment account, or loan.
Read ReviewFeb 10, 2026
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Upgrade Review

Upgrade is a San Francisco-based fintech company founded in 2017. It offers checking and savings accounts, credit cards, and personal loans. The Upgrade - Rewards Checking account offers 2% cash back on certain everyday purchases made with your debit card up to $500 per year, plus 1% cash back on all other purchases. The Upgrade - Premier Savings account offers 5.07% APY interest on balances of $1,000 or more and no monthly account fee.
Read ReviewFeb 10, 2026
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Valley Direct Savings Account Review

Valley Bank is a New Jersey-based bank founded in 1927. The bank has branches in New Jersey, New York, Florida, and Alabama, plus Valleydirect in all 50 states. Valleydirect offers a high-yield savings account in which your money will earn unlimited 4.80% APY. You can open an account online with just $1 and enjoy no monthly maintenance fees. There’s a $.01 minimum balance required to earn interest and no lock-up period for withdrawals.
Read ReviewFeb 10, 2026
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E*TRADE Review

E*TRADE is a brokerage firm founded in 1982 and acquired by Morgan Stanley in 2020. While the platform is best known for its trading products, it also offers a high-interest savings account through Morgan Stanley Private Bank. The account provides a 3.75% annual percentage yield (APY) with no minimum deposit or monthly fees. It’s a solid option for investors who use E*TRADE since you can instantly move money into an E*TRADE investment account.
Read ReviewFeb 10, 2026
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Western Alliance Bank Review

Western Alliance Bank is a Phoenix-based bank founded in 2003. Its High-Yield Savings Premier account offers 3.90%¹ annual percentage yield (APY) on deposits up to the maximum limit allowed of $250,000. You can open a new account with as little as $500. However, Western Alliance Bank has no branch access for this account type and doesn’t offer ATMs. So, it’s best for individuals who want to earn the best interest rate on their savings.
Read ReviewFeb 10, 2026
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Mercury Review

Mercury is a banking* services platform that offers high-tech business checking and savings accounts for startups and growing companies. Mercury charges zero account fees and doesn’t require a minimum deposit. You can request physical debit cards or create your own virtual cards for employees. Mercury also offers an API so you can integrate your bank account with the rest of your business software.
Read ReviewFeb 9, 2026
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Personal Loan vs Business Loan - Which is Right for Your Business?

Starting a business isn’t cheap. Startup costs can easily run to tens of thousands of dollars, and you’ll need more money to grow as your business takes off.
Read MoreJan 12, 2026
Personal Loan vs Business Loan - Which is Right for You

Shed your student loan debt in 5 steps

Earning your college degree is key to your future career stability and satisfaction. More career paths require advanced education and that means a college degree is critical to your success in today's workforce.
Read MoreJan 12, 2026
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It’s 2021. Let’s Get Personal.

So, how can you keep visitors’ attention and turn them into repeat customers? The key is to deliver personalized experiences.
Read MoreJan 11, 2026
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What Are Common Small Business Loan Terms?

Even the most successful small businesses can use a cash infusion from time to time. Small businesses may need money to make it through a slow season, capital to expand or buy new equipment, or access to revolving credit for everyday expenses.
Read MoreDec 3, 2025
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Lower Monthly Car Insurance Payments

Owning a car can be expensive. Not only do you have to fill it up with gas, but there are other costs too. Finance, maintenance, service bills, and tire changes, to name a few. Plus, on top of this, you also have to pay for car insurance. However, the good news is that many drivers may qualify for more affordable car insurance policies.
Read MoreMay 28, 2025
10 Ways to Lower Your Car Insurance Premiums

How to Apply and Qualify for Second Chance Banking

Second chance bank accounts are checking accounts that you may be able to open even if you’ve consistently been denied when trying to open checking accounts at major banks. In this guide, we’ll explain how second chance banking works and review the 3 best second chance bank accounts you can apply for today.
Read MoreFeb 23, 2025
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Saving Money on Your Car Insurance: Insider Secrets

Car insurance is absolutely essential if you own a car to get around town or commute to work. But just because you need to have car insurance doesn’t mean it needs to be expensive.
Read MoreOct 29, 2024
Why Didn’t Anyone Tell Drivers About These Recent Changes?

The Ultimate Guide to IRAs

An individual retirement account, or IRA, is a type of investment account designed for retirement investors. It offers flexible investment options, and the money in your account is tax-free or tax-deferred. IRAs form the backbone of many investors’ retirement plans. In this guide, we’ll cover everything you need to know about IRAs, from how they work to how to open one.
Read MoreAug 13, 2024
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The Ultimate Guide to IRAs

An individual retirement account, or IRA, is a type of investment account designed for retirement investors. It offers flexible investment options, and the money in your account is tax-free or tax-deferred. IRAs form the backbone of many investors’ retirement plans. In this guide, we’ll cover everything you need to know about IRAs, from how they work to how to open one.
Read MoreAug 13, 2024
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First-Time Homebuyer Financial Assistance 101

Buying your first home can feel overwhelming. Finding the perfect home, putting together a down payment, and getting approved for a mortgage - it’s a lot of work and the financial burden adds up quickly. The good news is that first time buyers have special programs designed just for them. We’ll explain everything you need to know about how to qualify for them.
Read MoreApr 30, 2023
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