Banking & Finance

Credit card fraud is a subset of identity theft, which occurs when criminals use your personal information to pose as you and steal your money. For example, identity thieves can use credentials such as confidential information and Social Security numbers to take over bank accounts, loans, and Social Security checks—taking advantage of your earnings.

Credit Card Fraud: What is it?

Credit card frauds are a type of identity theft in which criminals use their credit card account to acquire or obtain cash advances. For example, your physical credit card, account numbers, and PINs may be swiped, or new credit card accounts may be made in your name without your knowledge through one of your existing accounts. Once inside, the thieves rack up charges that get billed against you and your credit card company.

Credit card companies are aware of the issue and are constantly developing new methods to prevent unauthorized card use. At the same time, resourceful fraudsters (including international organized crime syndicates) continue to find workarounds for new technologies.

Because card companies are experienced in dealing with card fraud, being defrauded is unlikely to cost you money in the long run. Still, necessary investigations can take months, and unaddressed credit card fraud can significantly damage your credit reports and scores.

Dealing with different types of credit card scams can be time-consuming and labor intensive, and the theft of hundreds of millions of dollars each year raises the overall cost of using credit cards for all account holders.

Most Common Types of Credit Card Fraud

Credit card fraudsters are eager to incorporate new technologies into their schemes for obtaining credit card numbers and PINs, supplementing tried-and-true methods as old as credit cards.

Card Theft: Taking a credit card from a table or wallet is a standard method of gaining access to someone’s credit card. A variation on this scheme is to swipe newly issued cards from mailboxes. If your card is lost or if you are notified that you should have received a card that never arrived, informs the card issuer immediately.

Account Takeover: In this method, a criminal contacts your card issuer and uses your personal information to change access PINs, passwords, mailing addresses, and other information so that they gain control of your account and cut down your access to it. Depending on how regularly you use your card, this could take some time to notice and even longer to resolve with the card issuer. To prevent this type of theft, some credit card companies allow the creation of a verbal password that is not documented anywhere else.

Cloned Cards: Devices known as “skimmers” that fit over card readers at gas pumps and retail sales terminals can allow thieves to steal your card number when you swipe your card, then duplicate it for their use. EMV chip-enabled cards have made this process significantly more difficult.

Card-Not-Present Theft: It refers to the fraudulent use of a credit card account that does not necessitate possessing a physical card. It is frequently used to make online purchases and only needs your name, account number, and the card’s security code to be stolen. In recent years, data breaches at retailers and other companies that maintain large card-number databases, as well as illicit website traffic in lists of card users, have exposed the personal information of millions of users.

Detecting and Combating Credit Card Fraud

Credit Card Frauds can be detected early by routinely checking your credit accounts for signs of suspicious activity:

Examine your credit card statements every month, whether you receive them online or in hard copy, keeping an eye out for any unexpected purchases or cash advances. Approach the card issuer immediately to dispute the charges if you notice any unusual purchases.

Defending Yourself Against Credit Card Fraud

Because of the increasing majority of credit card fraud, there is no foolproof way to avoid becoming a victim, but common-sense precautions can help you prevent it:

• Protect your wallet or purse, and never leave your credit cards unattended when you’re out and about.
• Keep credit cards at home rather than carrying them with you, never take your Social Security card unless necessary (for example, when obtaining a passport), and always return it to safekeeping when you’re done.
• When purchasing online, ensure the website is secure (look for “https://” at the beginning of the site address), and avoid storing your credit card number on the website.
• If scammers are asking you to provide a credit card number, Social Security number, or other personal details over the phone, make sure you speak with someone you trust. If the request comes from a phone call, consider whether the organization they claim to represent should already have the information they require. If in doubt, call them back and use a verifiable phone number.
• Visit the Credit card recovery companies for more information and tips on avoiding credit card fraud. They will assist you by providing a free copy of your credit report, investigating disputed credit report information, and removing the information from your credit report once the fraud is proven.

Conclusion

Fraud is a negative side effect of using credit cards for convenience. However, knowledge and vigilance can help you stop credit card fraud, and acting quickly and decisively can help limit the risks if you become a victim.

Jason Obrien

Jason is the Marketing Manager at a local advertising company in Australia. He moved to Australia 10 years back for his passion for advertising. Jason recently joined BFA as a volunteer writer and contributes by sharing his valuable experience and knowledge.

A direct deposit title loan may be the answer if you require quick cash. These loans can be deposited into your bank account within hours, making them a convenient option when you need money fast. However, it is vital to understand how they work and what to expect before you apply. Here we will explain the basics of direct deposit title loans so you can decide if this type is right for you.

What is a Direct Deposit Title Loan, and how does it Work?

A direct deposit title loan is a short-term loan that uses your car title as collateral. The loan amount is based on the current market worth of your vehicle, and you can typically borrow up to 50% of the value of your car. These loans are meant to be repaid within 30 days, although some lenders may give you up to 60 days to repay the loan.

You must complete an application online or at a storefront lender to get a direct deposit title loan. The application will ask for information about your vehicle, contact information, and bank account details. Once approved for the loan, the funds will be deposited directly into your bank account. You will have a set period to repay the loan, plus interest and fees.

The great thing about title loans is that they can be processed quickly. You will most likely get the funds from your loan within 24 hours, and some lenders may even be able to deposit the funds into your account within a few hours. It makes title loans a convenient option when you need money fast.

What are the Eligibility Requirements for a Direct Deposit Title Loan Online?

To be eligible with your Missouri title application, you must own a vehicle with a clear title. You must have paid off your car loan, and there can be no liens or encumbrances on the title. You will also need a steady income source to qualify for the loan. And finally, you must have a valid bank account to receive the funds from your loan.

If you meet these requirements, you should be eligible for a direct deposit title loan online. These are quick and easy to apply for and can give you the money you need when you need it most. So if you need quick cash, consider applying for a title loan today.

How do I Apply for a Direct Deposit Title Loan Online, and what is the Process Like?

Applying for a title loan online is a quick and easy process. Fill out an application with your personal and vehicle information, and you will typically be approved within minutes. When approved, the funds from your loan will be deposited directly into your bank account. You will have a set period to repay the loan, plus interest and fees. The process can take as short a day, so a title loan may be the right option if you need money fast.

What are the Benefits and Drawbacks of Direct Deposit Title Loans?

Several benefits of direct deposit title loans make them a popular choice for those in need of quick cash. The lender can deposit it directly into your bank account within hours, so you can quickly get the money you need.

Another benefit is that you can typically borrow up to 50% of the value of your car, so if you have a high-value vehicle, you may be able to get a more significant loan amount. Finally, these loans are typically repaid within 30 days, so they do not have to be a long-term financial commitment.

There are also some drawbacks to direct deposit title loans that you should be aware of before you apply. One of the most important disadvantages is that your car could be repossessed if you do not repay the loan on time. Another downside is that title loans typically have high-interest rates and fees, so they can be expensive. Finally, these loans are meant to be short-term solutions, so if you need long-term financing, a title loan may not be the right option for you.

Are there other Options for Title Loans if I don’t want a Direct Deposit?

Yes, there are other options for title loans if you do not want a direct deposit. You can choose to have the funds from your loan deposited into your checking or savings account or pick up the cash from a storefront lender. Whichever option you choose, you will still need to meet all of the eligibility requirements for a title loan, and you will be responsible for repaying the loan plus interest and fees.

What if I can’t Repay my Title Loan?

If you cannot repay your title loan, you may be able to extend the terms of your loan or roll over the balance into a new loan. However, remember that this will typically result in additional interest and fees. Your car could be repossessed if you do not make your payments on time.

Ifama

Hi! This is Ifama. I am a student and giving my services in SEO. I have a lot of experience in digital marketing. Travelling is my hobby and I love visiting different hilly areas and doing adventures.

Insurance is financial protection against unforeseen situations that damage health or property. In such cases, insured persons are compensated by the insurance company. There are many insurance programs around the world today. There is two main types – compulsory and optional insurance. Clients can adjust the program on their own. You can read the colonel penny insurance section that describes the benefits of this type of contract. Supplemental insurance makes it possible to cope with the financial problems associated with unexpected events in your life. The insurance company’s reimbursement will cover the costs incurred due to temporary disability or illness.

Insurance Programs

Voluntary life and health insurance have a thousand-year history. The ancient Romans understood the need for financial protection in case of unforeseen circumstances and were the first to introduce personal insurance. Contributions were made to special funds of trade unions, which made cash payments to families of its members in the event of their premature death or injury. Life and health insurance is the most popular type of financial protection in today’s world. Insurance companies offer hundreds of insurance products that protect against various risks to our life and health.

Insurance will not protect against accidents, natural disasters, bankruptcy, illness, and other unpleasant things. But it will help cover losses. Insurance can be:

• Universal life and health insurance This type of insurance covers protection from the consequences of a large number of events that led to the death or death of the insured person.
• Insurance against the consequences of traffic accidents. The object is the life and health of people who spend a significant amount of time behind the wheel. Passengers can also be insured.
• Disability insurance. The main risk – is the severe consequences of the accident, which led to the establishment of disability. You should remember that some companies only insure the risk of establishing the first and second groups of disability. The third group may not be referred to as an insured event. On our website, you can purchase such insurance as well.
• Sports insurance Amateur athlete’s insurance can be purchased for a specific period or event (tournament).
• Additional insurance against accidents due to professional duties. As a rule, the employer pays for this type of insurance. It is associated with the risks of the profession. Among those protected are the military, members of the security forces, judges, deputies, and security guards. Private companies also often insure their employees whose work is risky. Examples are companies providing transportation services, high-altitude mountain climbing services, etc.
• Pets insurance Covers the cost of medical treatment and harm to third parties.

Insurance is an opportunity to save money for medical treatment or accident compensation.

What is the Payout Amount for Accidental Life Insurance?

The maximum amount of benefits is written in the insurance policy. The total benefits depend on the severity of the consequences of the accident. As a rule, 100% of the sum insured is prescribed in the contract. It is paid in case of death of the insured or establishment of the first group of disability. Some insurance companies pay the entire sum insured if the second group of disability is also established.

In the case of temporary disability, the insurance payment amount depends on the medical diagnosis. The appendix to the insurance contract and the rules of the particular insurance company specify what percentage of the maximum sum insured is paid for a specific injury according to the Table of Benefits. The exact amount depends on the insurance company you choose. The period of disability or hospitalization may also be taken into account in calculating the benefit.

Ayesha Saeed

Ayesha completed her Doctor of Philosophy in Biochemistry and started her career as a College Lecturer in 2013. Today, she’s a happy mom of 2 Kids in the field of digital marketing. She loves reading books, spending time with her family, and making delicious food for her husband.

A majority of people do not consider checking their credit score except when they are applying for a loan. Some people avoid checking their credit score because they are afraid to know their position. There are also others who ignore the idea of a credit score altogether because they are unaware of the features and benefits of having a high credit score. Some people even think that checking credit scores can impact your credit line.

However, this is not the case. A credit score is a three-digit number that rates your credit repayment efficiency using your past loan records, EMIs, and repayment history. Therefore, checking your credit score and slowly building it is critical for maintaining high creditworthiness. Let us discuss the importance of checking your credit score regularly and how it can help you in taking loans efficiently.

Why Should you Check your Credit Score from Time to Time?

Here are some of the reasons why you should check your credit score regularly.

It Helps you Understand your Credit Position

In a way, a credit score is a modern scale of determining your financial health. Therefore, it is essential to check your credit score, even if you are afraid that you may have a low score. Checking your credit score gives you an idea of where you financially stand. Don’t worry if you have a bad credit score, as good credit practices can boost your credit score in no time.

It Helps you Maintain or Improve your Credit Score

If you want to apply for a loan in India, then your credit score is considered very important as it is the very first thing that is verified before getting a loan. Majorly, the credit score is tracked by CIBIL in India, making it the most widely accepted credit score. While your salary is not cited anywhere in the credit score result, it is one of the factors that are used while calculating your score.

Additionally, Acibil score range between 700 to 900 is considered excellent and enables you to avail almost every loan scheme available in the market. Building a credit score takes months and checking and analysing your credit score in depth can give you the time to plan and build an excellent CIBIL score.

It Helps you Keep a Check on Inaccuracies

In several credit reports, the credit score system can create inconsistencies and mathematical errors. Repayment details and past loan records can also not show up in the final credit score report. Checking your credit score in due time can help you resolve tracking problems so that the credit score report will be updated will all the correct information. Sending the glitch details to the credit institutions will also help you get the right results.

It Helps you Predict your Loan Application Status

Predicting the result of your loan application is impossible if you have no idea about what your credit score is. Knowing about your credit score lets you plan ahead. For example, if you have a good cibil score range, you don’t have to worry about your application being rejected. Similarly, having a low credit score enables you to create backup plans in case your application does not go through.

It Helps you React to Changes Quickly

Keeping track of your credit score can give you useful insights that enable you to react to market changes quickly. If your credit score has decreased, you can seek information about what caused that. Alternatively, if you manage to stand in the good cibil score range, you can pursue the loan that you are interested in. Taking small personal loans and repaying them within the due date can help boost your credit rating seamlessly.

It Helps you Avail Better Loans

The more your credit score grows, the better loan plans will you be able to access. So knowing about your credit score beforehand can be useful in striking a loan agreement with lenders. Checking your credit score also gives you a vision of when can you avail better loan plans or a credit card with much better terms and conditions. Moreover, maintaining a good cibil score range increases your trustworthiness, with lenders giving you access to premium loan schemes.

How to Check the CIBIL score

Here are the steps that tell you how to check free cibil score:

Step 1: Go to the CIBIL website at www.cibil.com.

Step 2: Choose “generate your CIBIL score” from the options on the page.

Step 3: Provide all the necessary personal information like name, address, email, and registered ID.

Step 4: An OTP will be sent to the registered number. Enter it and click on continue.

Step 5: Now login with your details and your CIBIL dashboard will open. It will show you all the details regarding your credit score.

In Conclusion

To sum up, credit scores can help you get a better understanding of your financial standing by providing a numerical score based on your past patterns of credit loans and repayment. Regularly checking and analysing your credit score can help you understand the concerning factors that can catch a moneylender’s eye, and you can take precautionary steps to rectify them.

Jason Obrien

Jason is the Marketing Manager at a local advertising company in Australia. He moved to Australia 10 years back for his passion for advertising. Jason recently joined BFA as a volunteer writer and contributes by sharing his valuable experience and knowledge.

Refinancing your auto loan is a great way to get a better deal on your vehicle, whether you want to lower your interest rate or shorten the length of your loan. But before you jump in with both feet, there are several important factors to consider before refinancing your auto loan:

Your Existing Interest Rate

Your existing interest rate is the first thing to consider when refinancing your auto loan. You can save a lot of money by finding a lower interest rate, so it’s important to find the lowest rate you qualify for. It’s quite likely that your current lender will be able to help you do that, but it’s not guaranteed—and if they don’t offer competitive rates or decide not to refinance with them, then you may want to consider looking elsewhere.

Credit Improvement

Your credit score is a numeric representation of your creditworthiness, or how likely you are to repay loans and debts. The higher your credit score, the more willing lenders are to work with you. If you have a low credit score, it can make refinancing your auto loan less appealing to lenders.

A “car loan refinance calculator can help you estimate how much money refinancing your vehicle loan could save you” as per experts like Lantern by SoFi. So, using an auto loan refinance calculator is not a bad idea.

Your Credit Score

Your credit score is a number that indicates the creditworthiness of a consumer. If you have a high credit score, it means that you are considered to be more trustworthy and reliable when dealing with lenders. You would have better chances of getting loans at lower interest rates and higher amounts. If your credit score is low, you may find it difficult to secure a loan or refinance your auto loan in the future.

The Length of your Loan Term

The length of your loan term determines how much you will pay in interest throughout the course of your auto loan. The longer the term, the lower your monthly payment and vice versa. When deciding on a loan term, consider how long you plan on keeping your car and whether or not you’ll be able to afford larger payments at the end of shorter loans.

Several Months of On-Time Payments

You can improve your chances of being approved for refinancing by making on-time payments and keeping your credit score high. The longer you make the same monthly payment, the more stable it will become in a lender’s eye.

Also, if you’re applying for an auto refinance after having had a vehicle repossessed or defaulted on in the past few years, this could hurt your chances of approval because it indicates that you have issues managing money and bills.

Available Cash or Equity in the Vehicle

If you have cash or equity in the vehicle, a refinance can be a great option. Refinancing allows you to use your existing funds to pay off your loan and save money on interest.

It also gives you the opportunity to get a lower rate if you qualify for it. A lower interest rate could mean more savings over time because you’ll be charged less each month for your car payment and therefore pay down more of your balance over time.

In conclusion, refinancing your auto loan is a great way to save money and get better financing options. However, there are many things to consider before making any final decisions about refinancing your car.

Jason Obrien

Jason is the Marketing Manager at a local advertising company in Australia. He moved to Australia 10 years back for his passion for advertising. Jason recently joined BFA as a volunteer writer and contributes by sharing his valuable experience and knowledge.

No matter how long you have been a part of the workforce, comfortable retirement is a dream that every employee has for their future. Whether it is traveling the world or making sure your children will have a safety net for their futures, a retirement plan can help you realize your personal financial goals. It not only allows you to live comfortably while you work but also set aside savings for when you eventually retire so that you can ensure that you will have a peaceful retirement and will be able to provide for your family and yourself when the time comes.

401(k) plans from Ubiquity are the best way to ensure that you will meet all your financial goals and keep a steady retirement fund for the future. These plans are business-sponsored retirement accounts that allow employees to deposit a set percentage of their monthly and annual income into a traditional or Roth account. Having a retirement plan is equally beneficial for both employees and business owners as it lends stability to their work and personal lives and imparts distinct tax advantages depending on the type of plan selected.

Types of 401(k) Plans

Diving headfirst into the world of personal finances can be highly challenging, especially if you have no prior knowledge of retirement funds and how they work. However, it is essential to remember that despite the often-complicated jargon surrounding these plans, they are quite easy to understand. Here are some of the most common types of 401(k) plans available in the United States.

Traditional 401(k)

A traditional 401(k) allows employees to contribute their share via deduction of the gross income. This deductible is applied before income taxes, which means that the total taxable income of the employee is decreased by the amount of 401(k) contributions made during a fiscal year. Taxes are not levied on the money held in a 401(k) or subsequent investments until the amount is withdrawn in the future.

Roth 401(k)

A Roth 401(k) allows employees to contribute their share after the income tax has been deducted. Since the tax has already been deducted from their overall income, there is no additional tax levied on the amount during the fiscal year or after retirement when the employee withdraws their 401(k) amount.

SIMPLE 401(k)

For all intents and purposes, a SIMPLE 401(k) is a hybrid between a traditional 401(k) and a Roth IRA. These plans have lower limits for contribution compared to a traditional plan, and there is a smaller degree of flexibility associated with customizing the plan for your business or employees. However, like both the plans mentioned above, a SIMPLE 401(k) allows both employees and business owners to take loans against their savings and pay them back to their accounts.

Conclusion

A 401(k) plan allows both employers and employees to save funds for their post-retirement lives. Having a financial safety net can be crucial in surviving the increasingly volatile global economy. It also allows you to diversify your investments such that the risk of financial investment is evenly distributed, and you remain safe from any unexpected financial losses.

Ifama

Hi! This is Ifama. I am a student and giving my services in SEO. I have a lot of experience in digital marketing. Travelling is my hobby and I love visiting different hilly areas and doing adventures.

Paying for insurance, when you don’t necessarily need it, on a monthly basis can be a real hassle. Don’t be fooled into thinking that you are paying for nothing even though it may seem like that to you. Insurance is crucial when it comes to things on the defensive side of your game plan in this situation, even though it may not be as visually appealing as something like your debt snowball.

Consider insurance as a life vest. When you don’t need it, it hurts, but when you do, you are incredibly grateful to have it. Here, risk transfer is the key concept. Without insurance, a single auto accident, illness, or emergency could leave you with a significant financial mess.

Car Insurance

In most places, having auto insurance of some kind is required by law. Reasonable car insurance is something you shouldn’t avoid, even if you aren’t required to have it and you drive an old clunker that has been paid off for years. You may face a lawsuit that could cost you everything you own if you cause an accident and someone is hurt or their property is damaged. Accidents occur suddenly, and the outcomes are frequently tragic. You save very little money and put everything you own at risk if you have no auto insurance or only purchase the minimum amount of coverage.

Homeowner’s Insurance

The cost of replacing your home is high, but the process might go more smoothly if you have the appropriate homeowner’s insurance. When looking for a policy, look for one that includes coverage for the cost of living elsewhere while your home is being repaired, as well as the replacement of the structure and its contents.

Since you already own the land, the cost of rebuilding doesn’t need to include the actual cost of the land. The cost to replace your home could be higher or lower than what you paid for it depending on its age and the amenities it has. Find out how many local builders charge per square foot and multiply that amount by the volume of space you need to replace to get an accurate estimate. Make sure you calculate the potential price of upgrades and extra features and verify once again that the insurance policy will pay for any liability for accidents that might happen on your property.

Life Insurance

Life insurance should be high on your list of necessary insurance policies if your parents, spouse, kids, or other loved ones would suffer financially as a result of your passing. Consider how much you make annually (and how long you intend to work), then buy a policy to replace that income in the event of your untimely death. Make sure you include the cost of burial as well, as many families struggle with this unexpected expense.

Health Insurance

Health insurance is increasingly important due to the rising costs of medical care. Even a routine trip to the family doctor can incur a sizable expense. In fact, a bill for more severe injuries that necessitate a hospital stay may exceed the cost of a week at a five-star resort. Surgery-related injuries can be as much as five-figure costs. Although almost everyone finds the cost of health insurance to be prohibitive, the potential cost of not having coverage is much higher.

Long-Term Disability Insurance

Because it is so terrifying, some people choose to ignore the possibility of long-term disability (LTD). Although we all wish that nothing like that will ever happen to us, putting your future financial security in the hands of hope is not a wise move. Instead, pick a disability insurance plan with sufficient benefits to allow you to maintain your standard of living even if you are no longer able to work.

When an insured person suffers from a covered disability, long-term disability insurance pays out an amount that is equal to a portion of their salaries, such as 50% or 60%. In most cases, long-term disability starts when short-term disability ends. To be eligible for benefits, a disability must have developed after the policy was issued and, typically, after a waiting period. You must submit medical data to the insurer with a doctor’s confirmation.

Final Thoughts

Losses are a part of life, but how much they affect us and our beloved ones depends on the loss. By providing financial benefits for covered losses, insurance lessens the impact. There are numerous insurance options, but some rank at the top in terms of significance, such as home or property insurance, life insurance, disability insurance, health insurance, and automobile insurance.

Jason Obrien

Jason is the Marketing Manager at a local advertising company in Australia. He moved to Australia 10 years back for his passion for advertising. Jason recently joined BFA as a volunteer writer and contributes by sharing his valuable experience and knowledge.

The financial crisis left a huge mark on our economy, being a massive struggle for smaller businesses in comparison to larger firms. With big decisions needing to be made, jobs were lost, spending was cut, and plans to grow were put off as businesses fought to stay afloat. In order to keep their businesses alive, many small business owners had to take drastic measures and many were left without a penny, spending all of their savings or having to go to a payday loan direct lender UK for advice and financial support.
As we look back on the impact that the global financial crisis had on small businesses and their finances, here are some of the most notable takeaways:

Jobs were Lost

During the financial crisis, layoffs at small businesses were dramatic and we saw millions of jobs lost over a small period of time. With small businesses being a huge part of the employment market, this loss saw huge impacts on families all over the country. Workers in industries that relied on high external financing, such as manufacturers, were more likely to become unemployed during the financial crisis as the companies struggled to keep on top of their sales. With so many job losses yet so few job openings, many people struggled drastically to keep up with their bills and lifestyles, making the crisis span wider than just business owners.

Less Start-Up Ventures

Before the crisis, the number of start-up businesses was rapidly on the rise as people pursued their dreams and created their own business ventures. As the crisis hit and sent many of these into administration, there was a newfound fear for those considering bringing their visions to life as they feared that they would not be able to stay afloat and did not have much disposable income to put into the matter. Although we saw the numbers pick back up following the financial crisis, the rate never fully recovered.

Commercial Lending Demand

The number of commercial loans to small businesses came to a virtual standstill during the financial crisis. Loans by large banks to small businesses became practically non-existent and loans by small banks were down dramatically, bringing the total amount of commercial loans to small businesses down by billions as companies were not in a position to borrow money that they were uncertain they would be able to pay back.

Alternative Lending Options

The term alternative lending used to be limited to factoring where businesses’ invoices were bought at a discount, but to meet the needs of small businesses lacking access to traditional financing during the financial crisis, some companies started to offer new financing options. Merchant cash advances are similar to factoring but are based on a company’s credit card transactions, becoming a more popular option during the financial crisis even though the cost of this method is very high. Equipment financing also became more popular during the financial crisis as it was a way for vendors to sell their products to small businesses on payment terms.

Ifama

Hi! This is Ifama. I am a student and giving my services in SEO. I have a lot of experience in digital marketing. Travelling is my hobby and I love visiting different hilly areas and doing adventures.