If you’ve got extra money in your bank account, it’s time to make some money moves. After all, you likely have aspirations for later in life. Maybe it’s to one day purchase a home, put your kids through college, enjoy that dream vacation, or settle down and retire!

One of the keys to achieving financial freedom is getting your money to work harder for you. Whether you’ve just reached some new money goals or whether you’re miles ahead of that mark, you can jump to yet another level by making these 6 simple money moves.

1. Invest in Alternative Assets Like Fine Art That Could Offer Greater Returns

For years, blue-chip artwork was an area that only the super-rich could get involved in. But Masterworks has made it so that anyone can get started investing in top-tier pieces with just $1,000!

Investing in blue-chip artwork — which, according to Artprice, has outperformed the S&P by more than 250% from 2000 – 2018 — might be a good way to diversify your investments and safeguard your money in a fluctuating economy.

Here’s how it works. On the platform, you can invest in a portfolio of iconic works that have been carefully crafted by Masterworks’ team of research professionals. You can wait for Masterworks to sell the artwork at some point during the next 3-10 years, or you have the option to sell your shares to other investors on Masterworks’ secondary market.

You’ll only need to pay a small management fee, and in return, you’ll get all administrative costs covered, professional storage, insurance, regulatory filings, and annual appraisals.

To start investing, simply request an invite for membership today!

See important disclaimer: masterworks.io/disclaimer

2. Help Protect Your Your Family By Leaving Them Up To $8,000,000

We hate to think about it, but who would provide for your family if something were to happen to you? One of the smartest moves you can make is to help protect your family’s financial future. Many people underestimate how much money is needed to provide for their families after they die. This is why life insurance is very important.

The older you are, the more expensive life insurance becomes. And because today is the youngest you’ll ever be, there’s no better time than today to get a life insurance policy.
Plus, with Ladder, you can actually lock in your rate. As you age and your health declines, you’ll get to keep paying that same low premium.

Ladder offer’s term life insurance policies starting from as little as $4.95 a month, and you can complete the company’s application in 5 minutes. Ladder is 100% digital for coverage up to $3 million which means no medical exams or filling out paperwork! You’ll simply have to answer a few health questions as part of the online application.

Get your free quote from Ladder today and help ensure your family’s financial future is secure.

$4.95/month pricing is based on 20-year-old female, preferred plus rating with a 10 year term and $100,000 in coverage.

Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products.

3. Use a Cash-Out Refinance To Get More Cash Or Save Money By Paying Off Higher Interest Debt Quicker

Because of the rise in home values, people have more equity in their home than ever before. If you have equity in your home, an option to put more cash in your hand is a Cash-Out refinance.

Taking out a Cash-Out refinance at a lower interest rate to pay off higher interest debt could be a smart idea and save you lots of money as well. That’s because a cash out refinance usually comes at a lower interest rate than things like credit cards.

With New American Funding, you can check your mortgage Cash-out refinance rates in just a few clicks!

But be careful not to replace your current mortgage with a higher interest mortgage, unless you might have good reason to do so, like paying off higher interest rate debt.

A Cash-out refinance replaces your current home loan with a new bigger mortgage, allowing you to take advantage of the equity you’ve built up in your home and access the difference between the two mortgages (your current one and the new one) in cash. The cash you get can go toward virtually anything you want, such as paying off debt, home improvements or other purposes you have.

New American Funding has funded $60 billions in home loans since 2010. You’ll need a credit score of 620 or higher to get approved with New American Funding.

Find out how much cash you might be able to get from New American Funding now right here!

New American Funding: NMLS#6606

4. Your Renters Insurance Bill Is Probably Too High, Here’s How You Might Reduce It In Minutes

When was the last time you checked your renters insurance rate? Insurance companies love when you’re lazy. You could be saving money! For many people, there are cheaper rates floating around but they just don’t know where to look.

With Lemonade, renters insurance starts from just $5 a month. Getting insured is fast and easy – just answer a few questions about your home on Lemonade’s app or website. Already insured? They’ll help you switch, even canceling your old insurance for you.

Lemonade was ranked the most loved insurance in America by Forbes and others, and has a 4.9 Star rating in the App store.

Lemonade even offers discounts when you bundle your renters insurance with auto or pet insurance. Get a quote now.

5. Get Rid of Your Current Auto Insurance — This Company Could Save You $947 a Year

Fear that you’re paying too much for car insurance? Perhaps you don’t know where to look for better rates, or maybe you simply don’t have the time to shop around. Whatever the case, finding affordable rates and switching companies just got easier.

With Liberty Mutual, you could customize your car and home or renters insurance to save $947 a year. It takes just a couple of minutes to check your rate.

You could only save further with an online purchase discount and get rewarded for things like good driving behavior. There’s also a possible paperless policy discount and a pay-in-full discount.

You could save hundreds on your auto insurance this year. Fill out a short questionnaire to find out if you can lower your auto insurance now.