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A Quick Look at 3 Innovative Startups Trying to Improve the Mortgage Buyer Journey

The lending industry is changing, with new companies emerging set to disrupt the landscape with their innovative approaches to fintech.

In this article, we look at 3 of the best companies set on providing an incredible level of value for their customers.

Lendi Australia

Lendi is a fintech startup based in Australia that was founded in 2013. Their website claims to have helped Australians settle over $6 billion in house loans since they’ve started up.

The company’s headquarters are in Sydney, but it also has locations in Melbourne, Brisbane, and Perth. The firm is privately owned and controlled, however there are a few stockholders.

What’s the deal with Lendi & how does it work?

It gives users an easy way to search for a house loan

Like with most mortgage applications, you have to provide some basic information, such as the amount of your deposit and the value of the property you want to purchase (or at least an estimate), as well as the type of loan you require and any additional features you desire, such as an offset account or redraw capabilities.

They ask a lot of questions and don’t show you the available mortgages right away.

Lendi will show you various mortgages that meet your requirements and eligibility when you submit your phone number and email (based on the details you entered).

So they do a good job of filtering results that only fit what you qualify for.

With that said, some customers may be hesitant to enter personal information before seeing a single mortgage.

Of course, if you’re wanting to compare a lot of mortgages fast, you may find Lendi pretty restrictive.

With that said, Lendi can basically pre-qualify you for a house loan if you’re prepared to submit information about your income, debts, liabilities, credit cards, and spending, as well as the deposit amount you’ve saved.

If you’ve tried everything and still feel overwhelmed, you can talk to an expert on the phone or online, offering you a human option when you need it the most.

LendingTree USA

LendingTree began as Lewsburg Ventures in 1996 and was renamed CreditSource USA shortly afterward. The firm was renamed LendingTree in 1998, and it was one of the first online markets to provide consumers with access to various lenders through a single application.

How Does LendingTree Work?

You’ll have to create an account, fill in all requested information and submit documents to validate your income.

Once all that is approved, you will be able to see the loans that are available to you.

LendingTree, is an excellent option if you want to compare rates from a variety of lenders without having to fill out a slew of separate applications. However, in order to locate the ideal lender for you, you’ll need to look into the particular costs and conditions of each suggested lender on your own.

LendingTree has partnered with some of the country’s most reputable lenders, giving it the ability to offer a wide range of personal loan options. One of the main benefits is that you can locate a loan even if your credit score isn’t perfect, because LendingTree works with lenders that accept credit scores as low as 600.

Roshi Singapore

ROSHI is a new company designed to give Singapore a home loan marketplace that links users with mortgage brokers who then negotiate better rates from lenders, whether they’re taking out a new loan or renewing.

Borrowers can use a star rating and review system similar to Grab and Airbnb to score the services of their allocated mortgage broker.

While most home loan comparison sites just show promoted bargains available directly from banks, lenders, and other financial institutions, ROSHI aims to go one step further by offering deals accessible through mortgage brokers and partners.

Roshi is seen as a new disruptive service in the space, allowing you to communicate directly with lenders on their platform.

Using The Platform

Like other lending platforms, you fill in the necessary data required to run a credit check and then are presented with offers from brokers.

But you are connected directly to the brokers as the offers come in, giving you the opportunity to communicate with them or move forward as you wish.

Most brokers have you leave the platform to start the negotiation process, but with ROSHI you can do it all on their site.

For more information, you can visit the ROSHI Homeloan Markteplace.

 

 

Does Starbucks Do Cash Back? Quick Guide On Getting More Rewards & Money Back

Does Starbucks Do Cash Back? Quick Guide On Getting More Rewards & Money Back

                    

 

If you love Starbucks, you probably would love to know: “Does Starbucks do cash back?”

And while Starbucks doesn’t offer cashback directly, there are a few hacks you can use to save money on your drinks.

To get started, you should sign up for Starbuck’s Rewards. You’ll earn one star per dollar spent – which means that if you spend $5 on drinks or food every day, then by next week, your account will be up with five stars (and all the benefits thereof)!

Depending on where you live, you may receive a different number of stars for each dollar spent. But as a general guideline, it’s 1 for 1.

By doing this, you will earn points that you can redeem for discounts on products in the future.

With that base covered, let’s look at a few different ways to get cashback on your purchases.

does starbucks do cash back

Cash Back Apps

The first app is called Drop.

With Drop, you can get 15 points per dollar spent at Starbucks. You then cash in those points for a variety of gift cards starting.

To cash out, you need a minimum point level of 5k, which will get you a gift card worth five bucks.

You can redeem your points for cards at places like Netflix, Amazon, Starbucks and many others.

And you can earn points for shopping at all sorts of big brands like Sephora, Grubhub, Lululemon, Uber and many more.

The second app you could check out is an app called Spent.

This cashback rewards program offers 1% of your purchase value in profits back at Starbucks and other popular retailers like Whole Foods Market®, iTunes Store® or Costco Wholesale™ (so you can stack Costco’s cashback option on top of this 1% cashback program).

It’s also easy to earn additional points by shopping daily on balance reward member status!

To cash out, you can get your money sent straight to your Paypal account, making it a painless process.

Use a Cash Back Credit Card

By stacking cash back, you can get even more bang for your buck!

To do this, you will want to sign up for a credit card that offers cashback on your daily purchases. (Like a chase visa or something like that.)

By doing this, every time you use your credit card, you’ll be getting money back. So you’ll essentially be buying your products at a discount.

Most cards give you a cash payout once a year in the form of a cash credit on your card towards future payments.

And even if you don’t use your card very often, it can add up over a year.

I recommend transferring as many of your automatic monthly charges to your cashback credit card, so you’ll get paid for them as well.

Now, use your cash back credit card to pay for purchases when you buy through apps like Drop or Spent. You’ll get cash back from your credit card company, as well as points through Drop or Spent that you can redeem for cashback.

The nice thing about this is that once you’ve linked your cashback card with the rewards app, the process happens automatically.

The Starbucks Gift Card Cash Out

There’s a little known fact that you can actually do a Starbucks gift card cash out.

Yup, in some cases, you can actually get the balance of your card back as cash.

Let’s investigate this further.

So how do Starbucks gift cards work?

Starbucks offers gift cards that can go from $5 to 500 dollars.

As you’d expect, they’re offered either a physical card or a digital one.

You could use your card for anything in a Starbucks coffee shop and redeem it online or at any store location!

This means that because Starbucks is an international brand, you’ll be able to use your card anywhere in the world.

How to cash out Starbucks Card

You can get cashback on your Starbucks gift card if the balance meets specific criteria!

Please note: This option is only available in California and Oregon.

Depending on where you live, you can get between $4.99 and $9.99 back in cash.

To do this, head over to the Starbucks redemption portal here and follow the steps to redeem your balance.

Don’t Live in California or Oregon?

All is not lost! Because 9 other states have laws regarding cashback to help protect consumers.

These states include Colorado, Connecticut, Maine, Massachusetts, Montana, New Jersey, Rhode Island, Vermont & Washington.

So to redeem your gift card in these states, you will have to call Starbucks directly at 1-800-782-7282 and ask for a refund.

Returning an Unused Gift Card

If you have an unused Starbucks card, just call customer service, provide the original receipt, and they say they will refund you your money.

If That Doesn’t Work…

The above options don’t work for you; you could sell your gift card for cash.

Typically you’d do this by selling the unused portion of your gift card via an online classified site like Craigslist or Facebook Marketplace.

If you don’t want to meet up with people in person, you could try selling your gift card online via a site like Gift Cash.

 

Click Here For My Story About This

 

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can you get cash back at starbucks

When people were wondering does starbucks do cash back, a lot of them were curious about the following questions as well:

What’s the deal with cash back on starbucks gift cards?

You can get cashback from Starbucks if you’ve not used the gift card or if your balance is under $10. But you have to call customer service to get it.

does starbucks give cash back

How do starbucks gift cards work?

Starbucks Cards are reloadable cards that are purchased at a retail location. The balance on the card can easily be topped up using any of Starbucks’s physical locations, as well as doing it online.

These cards allow the customer to purchase coffee and espresso drinks with ease without worrying about carrying cash around.

Can you get cash back at starbucks?

Yes. As I mentioned in the article above, there are many different ways to get cashback at Starbucks.

starbucks gift card cash out

Can you get cash at Starbucks?

Yes. Of course, but the question is, why would you want to? It’s a coffee shop, not a bank. If you really need cash, there are other places to go for that service. Typically those services charge higher rates.

How can I get my money back from Starbucks?

Assuming you’re not asking about what to do with leftover coffee or an order of food, customers can typically call the Starbucks customer service number and request that their card be refunded.

How can I turn my Starbucks gift card into cash?

You can sell your gift card online or through marketplaces like Facebook or Craigslist.

You can also contact customer service to have them refund you more money.

Can I add $5 to my Starbucks card?

Yes. If you get a refill, it will be deposited into your account.

The best way to add funds is in-store through a Starbucks affiliated app or at starbucks.com when checking out in cart. To add money in-store, select “Add Value to Card” from the mobile menu on your mobile device and enter the number of dollars you want to add using our touchtone keypad. You will have an option for “level change only” or whole dollar increments from 5-500 plus bonuses from time to time, such as Double Star Days, when we double up on the rewards given for each dollar purchased.

Can you transfer money from Starbucks card to debit card?

Yes. It’s easy to transfer money from a Starbucks card to a debit card or any other bank account using the mobile app without needing to log in.

Can I trade my Starbucks gift card for cash?

YES! Absolutely. You can do that at any moment. Just call the Starbucks customer service number, and they’ll let you know what your nearest location is to redeem it for cash.

Can you order Starbucks for a specific time?

You can order and pay in advance for a specific item and pick it up when you’re ready to.

If you order your Starbucks on the Official Starbucks iOS App, Android App, or by SMS Text Message, you can pick it up in select store locations.

Ordering ahead is easy- you’ll know when your beverage is brewing, and they’ll send you a text when it’s ready to pick up. Your order will stay warm for 20 minutes after they pull it off the warmer so that no one else gets in line in front of you!

How do I transfer money from Starbucks app?

You can transfer money from the Starbucks app to your bank account or add a debit card.

Where can I redeem a Starbucks gift card?

You can redeem a Starbucks gift card on your phone with the mobile app, on your computer with the Starbucks website, or at our stores. For more information about redemption options and coupon balances, go to Starbucksstore.com/giftcards or contact customer service.

Can you get starbucks cashback offers?

No, Starbucks does not offer cashback. At least, not directly.

As mentioned in the article above, there are a few fancy workarounds that you can use to get cashback.

Can I return a Starbucks gift card to Walmart?

No. Starbucks gift cards, just like any other store gift card, cannot be exchanged with Walmart.

Gift cards usually have protections in place that limit the amount of use an individual has before the balance is depleted or restrictions such as expiry date or date of issuance. Unfortunately, many stores sell their own models. They are most likely not interchangeable because each store sets its own requirements for these conditions.

Can I return a Starbucks gift card to Target?

No, you would have to return the gift card back to Starbucks. Target does not accept them for purchase. It is a particular policy of Starbucks that Target can’t honour.

Can you pay on Starbucks app without reloading?

No. The individual app can make a withdrawal from the balance in your Starbucks account. Still, it cannot pay an amount greater than the available balance. For example, if your available balance is $20 and you want to buy a coffee for $25, the app would only allow you to purchase the $20 item. It would ‘refer’ you to another payment method such as cash or credit card.

Do Starbucks reward stars expire?

The stars expire within 180 days of when they were earned. This is to encourage customers to have more Starbucks visits, get around their competitors, and get freebies 🙂 No worries though, the stars are still available for you if you save them up!

Can you pick up a mobile order in the drive thru at Starbucks?

Yes – Starbucks will hold up to three mobile orders in the drive-thru window. It’ll stay there until you choose to pick it up or cancel your order online.

Do you have to register Starbucks gift cards to use rewards?

No. Gift cards can be registered online or in-store. They never expire, and you don’t need to register them.

You do not have to register Starbucks gift cards, they never expire, and you don’t need to register them. However, suppose a customer does not claim their rewards for between 12 and 24 months. In that case, the balance will no longer be claimed, and it will become inactive. Any unclaimed prizes of $5 or more will continue to accumulate on the card until reassigned by the Starbucks Rewards Program management team.

What is the most expensive drink you can order at Starbucks?

The most expensive drink you can order at Starbucks is the Quadriginoctuple Frap, which costs $47.35.

The Quadriginoctuple Frap consists of 44 espresso shots in total, with 10 different kinds of sauces and syrups to choose from. This concoction requires so much caffeine that it could result in a heart attack or even death if consumed all at once. This beverage cannot be bought because the company would need to know your weight before making it for you- making them refuse services to anyone on site that does not meet their health requirements.

cash out starbucks card

The How to Save $5000 in a Year Chart : This Printable Version Makes It Simple

The How to Save $5000 in a Year Chart : This Printable Version Makes It Simple

                    

 

The 52-week money challenge (featuring our amazing how to save $5000 in a year chart) is an excellent way to save $5,000 by the end of this year. This article will show you how much it takes and what your options are to save that much cash!

What would $5K mean in your life? Would you use it pay bills or take care of other financial needs like giving gifts to others or buying a used vehicle for yourself? Maybe you’d rather spend it on something fun like going on vacation somewhere warm investigating the new & unique things that seem to be happening around every corner.

And I’m not being crazy here – having a goal like that can really help motivate you to where you feel like those weeks disappear a little faster!

How to Save $5000 in a Year Chart

52-Week Money Challenge: The How to Save $5,000 in a Year Printable Chart

how to save 5000 in 6 monthsClick Here to Download The Printable Versions (Color and Black & White Versions Included)

The 52-week money challenge is designed this way for a couple of reasons. You start out with relatively small amounts, making it easy for you to meet the weekly savings goal. As you do this, you’ll continue to build confidence as to how much you can actually save each week, forming a new habit!

The 1 year long program starts with you saving $20 during week 1. In week two, that amount jumps to $35 bucks, and keeps increasing each week.

At the end of week 16, you’ll have already saved over $1,000, and by week 35, you’ll have almost four thousand stashed in your bank account.

Saving money is a habit, one that can easily become ingrained and built into your daily routine. That’s why we start you out slowly with the goal in mind: To prepare for the weeks when you save larger amounts in the middle of the year.

We’ve tried to design this challenge in such a way that it allows for you to life your life, while still being able to save the $5,000.

If you end up taking this challenge at the start of the new year and have spent more than normal during the holiday season (which, let’s be honest – is pretty typical), we’ve started the challenge off using smaller savings amounts.

In this way, you can ease into the habit of saving.

Saving $5,000 in a year is no small feat

I’m sure the thought has been running through your mind: “Where will I come up with $5,000? I’m stretched thin as it is!”

But it’s possible to find hundreds if not thousands in savings by targeting a few categories where with significant cost-saving opportunities.

Some of the big ones include these spending areas:

  • Your Internet Subscriptions
  • Cell phone/Cable TV/Internet Service
  • Insurance like home or auto insurance
  • Heating rates for your house
  • Food: like eating at restaurants, ordering in, or buying extra snacks that you might not need.

Internet Subscriptions

With so many online subscription services out there (like Netflix, Disney+, IFTTT and so on) these expenses are almost hidden from view, but can add up significantly when it comes to sticking to a monthly budget.

A good idea is to list and go over all of your subscription services to see if there are any that you can live without.

Cell Phone, TV, Internet Providers

If you’ve been paying for your cable or satellite TV service and it’s costing more than $100 a month, then switching over to an online TV service (like Amazon Prime) could save you up tp 1k over the course of a year!

As for your cell phone provider, did you know it’s not uncommon to pay $40 for the same unlimited service using one of your existing providers’ sub-brands?

Regardless of whether you want an affordable cell phone plan or just reduce the amount of data you have, many money experts say that smaller carriers offer better value.

Check out great options like Cricket Wireless, Total Wireless or Mint Mobile.

You may find yourself saving ~$50 per month just by doing that!

For internet service providers, don’t be afraid to call them up and tell them you’re thinking of switching providers. This is often enough for them to offer you an additional discount to stay.

If that doesn’t work, you can always see what their competitors can offer you.

Insurance Services

You’re probably not saving as much as you could on your home and auto insurance. But you can cut the cost of these products by seeing what the competition can offer.

So don’t sleep on this one, as many people ignore this and spend more than they should.

Most people just assume that they’re getting a good deal. In reality, there are often other companies out there who offer lower rates who would love your business.

Getting a little more creative: Did you know that the typical auto insurance customer can save up to $500 a year by bumping their deductible from $250 up to $500? If you push your deductible even higher to $1,000, you will end up saving a cool thousand bucks.

Heating Rates for Your House

In over half of the states, you are allowed to shop around to find other providers for your electricity or natural gas due to the industry being deregulated.

That alone could save you each and every month.

To take it even a step further, by installing a programmable thermostat, the typical household can lower their heating and cooling costs by 20-25% during winter time or summer months.

Food

Many households spend a lot of money eating at restaurants, and ordering take out.

In fact, the average American spent $67 a week on takeout in 2021. That’s $268 per month.

And for a household, that amount is often much higher, generally over $500 per month.

With a little advance planning and a willingness to make more meals at home, that can be a huge monthly savings.

Don’t Just Save, Start Making Making Money

Cutting your budget is never an easy task. (Even with the incredible how to save $5000 in a year chart I gave you!) But sometimes, you might just run out of places to cut. And that’s when making more money becomes an important option for survival!

Concluding Thoughts on this 52 Week Challenge

You’ve already seen the 52-week money challenge and the how to save $5000 in a year chart – so you  know how to get started.

But I have one last tip to help you get started: Open a dedicated account with an online bank! That way your savings efforts can grow even more in a high interest rate account.

Then each and every time you deposit a little more into that account, it has the opportunity to grow and compound over time.

It will be some of the easiest money you’ve ever made. 😀

Click Here For My Story About This

 

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save $5,000 in a year printable chart

When searching for a how to save $5000 in a year chart, many people often wondered what the answers were to these questions:

How can I save 5000 in a year?

There are many ways to do it. But a few practical ideas involve cutting back on the types of food you eat.

A few common sense savings strategies include the following steps:

– assessing your food budget to see where you can cut back or save more, or cutting certain things out entirely.

– cooking from scratch instead of buying pre-packaged foods at the grocery store. This not only saves a lot of money, but it also allows you much greater control over your nutrition and health.

– avoiding wasting food – if you’re hungry soon after eating, have a snack instead so as to avoid going out and buying another meal

How can I save $5000 in 6 months?

It’s possible to save $5000 in 6 months by making a list of expenses and cutting as many as you can out. Living as frugally as possible, cooking your own meals at home, grocery shopping with a list and preparing for trips ahead of time can help cut down on unnecessary spending. Another good step is to challenge yourself to spend $1 less every day than you already do.

How can I save 5k in 12 months?

Here are a few ideas on how to do that:

1. Set your budget and try to stick to it.

2.Consider shifting to more of a minimalist lifestyle. This protects your family from buying items that aren’t needed, and that you have no space for, or will never use. It also teaches kids about the value of hard work and being satisfied with fewer things.

Buying quality items later in life instead of cheap ones often provides much better value in the long run.

3. Give up your daily latte that costs around $4 depending on where you live, and five dollars saved each day equals 150 in a month and 1,800 in a year. And that’s just one example of how small daily expenses can really add up over time.

How much money do you save in the 52-week challenge (if you don’t use the how to save $5000 in a year chart)?

In this case, the idea is to save $1 on the first day, and then add an additional dollar to the amount being saved every day after that. So Day 1 would be $1, Day 2 would be $2, Day 3 would be $3 and so on.

By the end of the year, you would have saved $1378.

How can I save $5000 in 3 months?

1) Cut your expenditures by $1000-1500 per month. Assess what you spend and find ways to cut back on items such as entertainment, eating out, alcohol, subscriptions to tv/youtube/Netflix services.

2) Find freelance work online at sites such as Fiverr or Upwork to earn an extra $500-1000 per month.

3) Do something productive with the remaining time – take up a hobby, learn a new skill (whether it be computer programming or photography), and other energy- and mood boosting activities might include exercising (and eating healthy), volunteering in your neighborhood or community organization, doing volunteer work for an animal welfare shelter.

4) Alternatively, don’t do anything that will incur any extra costs.

How can I make $5000 quickly?

Ask a rich person for it. 😀

But if that doesn’t work, then maybe try one of these methods:

-get a second job or become an entrepreneur and set up your own business

-rent your dorm room out on airbnb/spring break berkshires/etc. But if you decide to do this please be safe! Check reviews, use safe practices like verification, background checks, lockable doors and so on.

How can I save 10k in 3 months?

First, you’ve got to understand how saving typically works.

The basis for a saving lifestyle typically hinges on two things:

1) setting a minimal amount that you’ll need to spend monthly and then determining which expenses can be “trimmed” from your budget

2) growing your savings continuously by keeping them in a separate savings account with a high rate of return.

Establishing these two things benefits the saver a couple ways:

1) it will make it more difficult to withdraw cash from funds because they won’t be readily available in hand or through an ATM

2) it establishes good habits

How do you save money fast for a 26 week money challenge?

Here’s what I would recommend with regard to budgeting for a 26 week money challenge

1. If you want to save $100 each week for this 26 week money challenge, then that means you’ll need to set an initial goal of saving $2600 before you get started. This may sound trivial, but setting a well defined goal is a big part of succeeding.

2. For this particular case let’s say you make about $500 per paycheck or bi-weekly, so that would mean setting aside ten percent of your paycheck is not too bad; but if it were hard to set aside even 10% go ahead and try setting aside 20% (that way getting back down later is easy peasy); the idea here is to save as much as possible and really stretch yourself for a certain amount of time in order to maximize your savings.

What is the 5 dollar savings challenge?

The idea behind this particular challenge is to save each and every $5 bill you receive.

So if you pay for something and get any $5’s back as change – you’d save them.

The goal is to save all the $5’s you get during the year – stash them away – and then count them all up at the end of the year to see just how much you’ve saved.

When is the last time you took out your bank statement and combed through it looking for recurring charges?

This is an often overlooked action. And it’s too bad because it can have incredible results when it comes to saving you thousand of dollars every year.

What can I do for extra money?

There are lots of different ways that you can earn extra cash, such as:

– Having a go at property investing.

Tired of renting and want to finally be a homeowner? You could find something on the market now or invest in property that will provide you with an income, capital growth and some come early retirement day reality.

– Freelancing on Upwork. Look for gigs relevant to your area of expertise and soak up those skills — it can help you pick up great habits like deadline finishing, prioritizing and structuring projects (read: make better employees!). Don’t forget to work around your current commitments; after all, no one knows what you do as well as you do!

– Work from home! There are so many remote and work from home opportunities coming available these days that you should be able to find something that will work well for you.

Of course, working a second job is a great way for you to earn extra money. And if you look for one that will take up as much time as possible, you won’t have the luxury of spending the other time on leisure activities. After all, it’s often in times of leisure that we find ourselves spending extra money. You could be a personal assistant or nanny in your spare time, tutor kids after school, bartend at night-time events in the area, freelance write articles/blog posts… it’s really about what can you do and can make money from?

Where am I going to come up with $5,000?

The first thing you want to do is create a budget and cut down your expenses. If there’s still no way for you to come up with $5000, consider pawning some of your possessions and selling what you don’t need to free up some extra cash.

Aside from that, you’ll have to take on additional work. Whether that comes in the form of a side hustle or an extra job will depend on you and your skills and abilities.

The other thing you can do is learn how to start trading stocks or options in order to generate some cash flow.