Nick Perry's Writing Portfolio

Business is personal. Let's keep it human.

My Recent Work

Citi •

No-fee Personal Loans up to $30000. Apply online. | Citi.com

Terms, conditions, and fees for accounts, products, programs and services are subject to change at any time.
You must be at least 18 years of age (21 years of age in Puerto Rico). Co-applicants are not permitted. Existing Citi credit card customers who have been a Citi customer for less than 12 months and do not have a Citi deposit account are not eligible for a Citi® Personal Loan.
If you apply online, you must agree to receive the loan note and all other account disclosures provided with your...
Citi •

Personal Loan Calculator | Citi.com

This section is where you enter your loan amount. Some personal loan calculators have a default number, which could serve as a good starting point if you're unsure exactly how much you need to borrow. However, be sure to input whatever loan amount you're looking for if you're certain.
In this field, you input whatever interest rate you estimate the loan will have. If possible, try to enter your expected annual percentage rate (APR), which accounts for your interest rate and fees. The APR may bet...
Citi •

What is a Debt Consolidation Loan? | Citi.com

Debt consolidation lets you merge your separate debts into a single, more convenient monthly payment, ideally with a lower interest rate and term that allows you to save money. 
Debt consolidation loans are personal loans. They are typically fixed-rate, unsecured loans. You use the funds to pay off your other debts. You must then pay off the personal loan. Some lenders will deposit the funds directly into your account while others will pay the debts off directly.
Here is an example of how it wor...
Citi •

Secured vs. Unsecured Loans | Citi.com

The biggest difference between secured and unsecured loans is whether they require collateral.
Secured loans require collateral, such as a home or a car, to back the funds you borrow. However, if the borrower falls behind on payments, the bank or lender can take possession of the collateral to cover their costs.
In contrast, unsecured loans don’t require collateral. Instead, lenders rely on other factors to determine your eligibility, including your creditworthiness.

The biggest difference betw...
Citi •

Types of Personal Loans | Citi.com

Most personal loans are unsecured, which means they don’t require you to use an asset — such as a home or car — as collateral. Whether you’re approved for an unsecured loan and your terms will depend on your credit score, income, debt-to-income ratio and other financial factors.
Being able to get a loan without collateral means you won’t lose your property if you’re unable to pay it back. This also makes unsecured loans riskier for lenders, and the increased risk can mean a slightly higher inter...
Citi •

Open a Checking Account Online | Apply for a Checking Account | Citi.com

What is a checking account?

A checking account is a bank account that lets you deposit and withdraw money at ATMs or Citibank branches. Once you open a checking account, you can make online payments, transfer funds to other accounts and deposit checks through the Citi® Mobile app.2 You can choose between an Access Checking or Regular Checking account, depending on your banking needs. With a Citi Regular Checking account, you can write checks for the money within your account. However, an Access...
Prudential •

Group Insurance Disability Insurance | Prudential Financial

Annuities and Life Insurance are issued by Prudential Financial companies; The Prudential Insurance Company of America (“PICA”) or Pruco Life Insurance Company (“PLAZ”) (in New York, by Pruco Life Insurance Company of New Jersey (“PLNJ”)), all located in Newark, NJ (main office), or an unaffiliated third-party issuer: Fortitude Life Insurance & Annuity Company (“FLIAC”), located in Jersey City, NJ. Fortitude Re has retained PICA as an unaffiliated Third-Party Administrator. Variable Annuities ar...
Citi •

Open a Citibank Certificate of Deposit | View CD Account Rates Online

What is a CD account?

A Certificate of Deposit, or CD account, is a time deposit account that allows you to save and earn a fixed interest rate by locking your money away for a specific length of time called the CD term. You get to choose how long you want to lock your money away, and Citi offers terms ranging from 3 months to 5 years.In addition to the standard Fixed Rate CDs that apply a penalty for early withdrawal, Citi also offers No Penalty CDs. These CDs don’t have early withdrawal penal...
Citi •

Savings Account | Open a Savings Account Online | Citi.com

What is a savings account?

A savings account is a bank account that pays you interest, helping you save for short- and long-term goals, plus life's unexpected expenses. Also, deposits are insured up to FDIC limits.2With a savings account at Citi, you can access funds from your account at Citibank branches and over 65,000 fee-free ATMs nationwide.2The interest rate on savings accounts is variable and can change at any time. If you’re looking for an interest-bearing account with a fixed interest...
USA TODAY •

Is Monarch Money worth the subscription cost?

The market for budgeting apps has never been more crowded. From simple spending trackers to all-in-one financial dashboards, consumers have more choices than ever when it comes to managing their money.Among the best budgeting apps, Monarch Money has emerged as a popular choice for users who want to track their budget, investments, net worth and financial goals in one place. Rather than relying on advertising or a free-tier model, Monarch charges a subscription fee and promises a more robust pers...
USA TODAY •

Does Rocket Money actually help you save cash?

Personal finance apps have become increasingly popular, but it can feel overwhelming to navigate the growing number of options available. Following the shutdown of Mint, a wave of competitors has emerged, each offering a different approach to budgeting, saving and managing money. One app you've likely seen advertised on TV or across social media is Rocket Money. Part of the Rocket Companies family that includes Rocket Mortgage, Rocket Money has carved out a niche as an automated auditor of your...

The 5 Best Business Loans for Physicians With Bad Credit

Life as a medical professional can be both lucrative and fulfilling. But if you’re a physician operating a private practice, it can also be a very expensive one. The bills quickly add up between student loans, business startup costs, malpractice insurance, and more. It’s not unusual for high-earning doctors to have fallen behind on monthly payments.
If you’re a doctor with bad credit looking to make further investments in your practice, you’re not out of luck. There are business loans for physi...
Digital Trends •

This gripping 2025 true crime mystery show is massively popular on Netflix right now

One of Netflix’s more interesting recent original series, The Breakthrough, is a four-part miniseries based on journalist Anna Boden and genealogist Peter Sjölund’s book examining the second-largest criminal investigation in Swedish history. The show has already cracked Netflix’s Top 10 list and has earned a strong 77% score on Rotten Tomatoes’ Popmeter, the metric for audience reception.
Digital Trends •

5 most anticipated action shows of 2025, ranked

We’re living through an extended golden age of television; with so many high-quality shows, it can be hard to keep up with all of the new offerings. There’s such an abundance that we can create a list purely of action shows to look forward to in 2025.

Whether you’ve already finished season 2 of Squid Game and are hankering for more action or you need some high-octane fun to look forward to, these are the top 5 most anticipated action shows of 2025.

Want to look forward to more stuff in 2025? T...
Digital Trends •

5 most anticipated comedy shows of 2025, ranked

With a new year comes a new host of TV shows to look forward to, and 2025 stands to be a great one. With the return of several Emmy-winning comedies and a few highly anticipated new releases, there will be no shortage of laughs in 2025.

With great comedies coming to Max, Hulu, Apple TV+, and more, there’s bound to be a big comedy release on your preferred streaming service. These are the five most anticipated comedy shows of 2025, ranked.
Teramind Blog | Content For Business •

The 9 Best Endpoint Security Solutions In 2025

Endpoint security solutions are specialized software designed to protect endpoint devices like computers, mobile phones, and tablets from cyber threats. These solutions prevent, detect, and respond to attacks by managing the security of these devices across the network.


But with so many different endpoint security solutions available in the market, how can you know which is the right fit for your endpoint security strategy? In this guide, we’ll analyze some of the leading endpoint solutions a...
Teramind Blog | Content For Business •

11 BYOD Security Risks & How to Prevent Them

It’s tempting for organizations to let employees use their devices for work. It saves money, is convenient for users, and allows corporate network access. However, “bring your own device” (BYOD) arrangements can lead to serious security risks compared to issuing company-owned devices.


BYOD sets up myriad endpoints outside the organization’s central security hub, making it exceedingly difficult for security leaders to monitor all devices and apps. Personal devices won’t have the same security...

Best Payment Processing for Small Businesses

Every small business has to get paid somehow. That’s the whole point of running a business, right? But a thrift store and an insurance company get paid in different ways. Retail outfits, like thrift stores, are just one of many types of businesses that need payment processing solutions.
Payment processing for small businesses is an essential component of day-to-day operations, especially if you use point of sale tools like a cash register or iPad. Setting your business up for credit card process...
CNN Underscored •

HVAC repair cost | CNN Underscored

A home’s HVAC system includes air conditioners, heat pumps and furnaces that regulate the indoor temperature and keep you comfortable. Like any part of your home, if something goes wrong with your HVAC system, your mind goes straight to HVAC repair cost.



If you’re wondering how much HVAC repair costs in your area, you’re asking a good question. Several factors impact that wide cost range, and location is a big one.



While HVAC maintenance costs may run...
Digital Trends •

Best new movies to stream on Netflix, Hulu, Amazon, and more

The new year is just around the corner, but you’ve still got a few more days to kill with the whole family home, which means you still need to lean on the best new movies to stream on Netflix, Hulu, Prime Video, Max (HBO), and other services. The last week of the year is a little slow regarding new movies, but there’s plenty to catch up on from this list.

This week, Hulu gets scarier, Paramount+ gets one of 2023’s most underrated movies, and Peacock debuts one of the frontrunners for next year’
CNN Underscored •

Heat pump vs. air conditioner: Which one is better? | CNN Underscored

Heat pumps and air conditioners are HVAC tools that make your home’s temperature more livable. However, there are several key differences, and it’s good to understand them to make the most informed decision for your home’s HVAC system.



Paul Lambert, the founder and CEO of California home heating and cooling company Quilt, knows that choosing the right system for your home can be challenge=ing. Heat pumps operate as both a heat and cooling system, so they can be the perfect...
Load More

E-Commerce

Entrepreneur •

I'm a Freelance Writer and I Love Grammarly

Disclosure: Our goal is to feature products and services that we think you'll find interesting and useful. If you purchase them, Entrepreneur may get a small share of the revenue from the sale from our commerce partners.

This article was written by Nick Perry — contributor to the Entrepreneur Deals and freelance writer on subjects as diverse as artificial intelligence and restaurant operations. He uses Grammarly every day.

When I started my freelance writing career five years ago, it was a sid
Good Morning America •

Galactic Snackin' Grogu from 'The Mandalorian' might just be the year's cutest toy

First he was Baby Yoda, then he was The Child and now he's known as Grogu. But one thing that hasn't changed about everybody's favorite character from Star Wars' "The Mandalorian"? He's always snacking.

This October, you can have a snacking buddy whenever you want because Hasbro's Galactic Snackin' Grogu is hitting shelves as the hottest new toy this side of the galaxy.

The new interactive toy features cute sounds, animated motions and lives up to his name by munching on several included items
Good Morning America •

How your gift of a book to a child can help them find their love for reading

Disney Publishing Worldwide and shopDisney.com have teamed up with First Book for the first-ever "Buy a Book, Give a Book" program, and "GMA" viewers have the exclusive first access.

First Book is a nonprofit organization dedicated to providing new books and educational resources to children in need. From today through the end of the year, for every book purchased on shopDisney.com, Disney will donate a book to help the nonprofit's mission. To date, Disney has donated more than 82 million books
Good Morning America •

Corkcicle is now making sustainable Disney-themed drinkware

Sustainable, Disney-themed drinkware has arrived at Walt Disney World and it can also be in your kitchen!

Walt Disney World has teamed up with sustainable drinkware company Corkcicle for a new line of Star Wars and Mickey and Minnie Mouse-themed bottles that can be found at shopDisney.com.

Corkcicle was founded in Orlando in 2010 as a company dedicated to making high-quality, triple-insulated canteens and bottles that keep drinks cold for up to 25 hours and hot for up to 12 hours.

To kick off
Good Morning America •

Get organized and use less plastic with these 8 helpful items

The end of the year is always a great time to make a positive reset. From exercising more, to getting better sleep, to getting organized, now is a great time to commit to positive change.

Along with getting organized in 2022, you might want to make more eco-friendly choices when it comes to what you buy, which may involve cutting back on using plastic.

Fortunately, there are more eco-friendly solutions out there to help you get organized. We've found some of the top picks for those who want to
HELLO! •

Wine is a great last-minute gift and Naked Wines is offering $100 off

When it comes to the holiday season, the best gifts are ones that keep on giving. And nothing gives quite as well through the winter as wine!

Whether you're looking to stock up for the winter or you need a last-minute gift for your holiday hosts, Naked Wines provides a connoisseur-like experience now and in the future. By connecting a community of independent winemakers and wine drinkers, Naked Wines delivers world-class wines directly to your door. Their collection offers more than 150 award-w
HELLO! •

Still holiday shopping? These are the 70 best gifts you can still get

It's gifting season and whether you're shopping just for one special person or an entire soccer team's worth of friends and family, adding holiday shopping to your to-do list can feel overwhelming!

RELATED: Princess Charlotte's Christmas wish list: Gifts she’ll ask Santa for this year

While gift guides offer useful inspiration depending on who you're shopping for, they can also add a level of complexity that just isn't helpful. Sometimes, you really can have too many choices!

MORE GIFT GUIDES

Technology

Teramind Blog | Content For Business •

11 BYOD Security Risks & How to Prevent Them

It’s tempting for organizations to let employees use their devices for work. It saves money, is convenient for users, and allows corporate network access. However, “bring your own device” (BYOD) arrangements can lead to serious security risks compared to issuing company-owned devices.


BYOD sets up myriad endpoints outside the organization’s central security hub, making it exceedingly difficult for security leaders to monitor all devices and apps. Personal devices won’t have the same security...
Teramind Blog | Content For Business •

How to Hunt Insider Threats: A Step-by-Step Guide

An insider threat occurs when a legitimate user of an organization’s systems intentionally or accidentally puts the organization’s data at risk. These threats can have a devastating impact on a company’s data, reputation, and bottom line. Insider threat hunting has become essential to proactively identify and mitigate these risks before they escalate into full-blown security incidents.


This comprehensive guide provides the knowledge, strategies, and tools you need to implement an effective in...
Teramind Blog | Content For Business •

10 Proven Strategies to Boost Operational Efficiency

Most organizations have to work within tight margins and navigate many challenges to be successful. That’s why operational efficiency is so vital to success. Balancing a productive, engaged workforce with a lean budget can be challenging without sacrificing product or service quality. Still, efficient organizations will find they can better set and exceed realistic operational performance goals.


Implementing an operational efficiency improvement strategy requires taking a holistic, honest loo...
Teramind Blog | Content For Business •

The Call Center Productivity Playbook: Tips & Metrics

Call centers seem like something out of the 1980s. Giant rooms filled with headset-wearing workers answering calls from current and potential customers or making telemarketing pitches feel like an old-fashioned idea in our AI-affected world. However, although chatbots have taken some of the load off of customer support teams in recent years, the number of call centers in the US has increased by 6.8% per year since 2018.
Teramind Blog | Content For Business •

17 Ways To Prevent Insider Threats: Steps, Tips & Tools

When you think of cybersecurity, your mind likely goes to external threat actors — malware, ransomware, spearphishing attacks, and other malicious activity. However, it’s crucial to note that 60% of data breaches are caused by insider threats, and a staggering 74% of organizations are at least moderately vulnerable to them. It’s not everybody else your organization needs to worry about; it’s your own people. The potential harm these threats can cause is significant, and it’s essential to take ac...

Entertainment

Digital Trends •

This gripping 2025 true crime mystery show is massively popular on Netflix right now

One of Netflix’s more interesting recent original series, The Breakthrough, is a four-part miniseries based on journalist Anna Boden and genealogist Peter Sjölund’s book examining the second-largest criminal investigation in Swedish history. The show has already cracked Netflix’s Top 10 list and has earned a strong 77% score on Rotten Tomatoes’ Popmeter, the metric for audience reception.
Digital Trends •

5 most anticipated action shows of 2025, ranked

We’re living through an extended golden age of television; with so many high-quality shows, it can be hard to keep up with all of the new offerings. There’s such an abundance that we can create a list purely of action shows to look forward to in 2025.

Whether you’ve already finished season 2 of Squid Game and are hankering for more action or you need some high-octane fun to look forward to, these are the top 5 most anticipated action shows of 2025.

Want to look forward to more stuff in 2025? T...
Digital Trends •

5 most anticipated comedy shows of 2025, ranked

With a new year comes a new host of TV shows to look forward to, and 2025 stands to be a great one. With the return of several Emmy-winning comedies and a few highly anticipated new releases, there will be no shortage of laughs in 2025.

With great comedies coming to Max, Hulu, Apple TV+, and more, there’s bound to be a big comedy release on your preferred streaming service. These are the five most anticipated comedy shows of 2025, ranked.
Digital Trends •

Best new movies to stream on Netflix, Hulu, Amazon, and more

The new year is just around the corner, but you’ve still got a few more days to kill with the whole family home, which means you still need to lean on the best new movies to stream on Netflix, Hulu, Prime Video, Max (HBO), and other services. The last week of the year is a little slow regarding new movies, but there’s plenty to catch up on from this list.

This week, Hulu gets scarier, Paramount+ gets one of 2023’s most underrated movies, and Peacock debuts one of the frontrunners for next year’
Digital Trends •

ESPN Plus: Price, sports, and what you can watch on the streamer

ESPN is synonymous with sports on TV. It stands to reason, then, that ESPN+ gets you more sports. And it does, in that newfangled way that transcends sports on TV. ESPN+ is the future of ESPN in a streaming world. Probably. Eventually. Sort of.

It’s a little complicated. It’s perhaps better at the moment to consider ESPN+ the streaming service complementary to ESPN the cable network. You can get some of what’s on ESPN on ESPN+. But at the same time, ESPN Plus has a lot that you can’t get on the
Digital Trends •

What is YouTube Premium? Price, content, and more

With so many different apps, services, and streaming platforms out there, it can be overwhelming trying to figure out which ones are right for you. And navigating YouTube’s latest suite of products presents a similar issue. The Google-run video-hosting website, launched in 2005, is massively popular, with more than 400 hours of video uploaded every minute. But lately, the service’s many expansions in the search for more revenue have made things a bit convoluted.

In the past few years, we’ve see
Digital Trends •

10 most overrated Best Picture Oscar-winning movies ever

For any movie lover, Academy Awards season is a time to revel in your favorite films of the year, and root for them to get the recognition they deserve. In some cases, the movies that win are shoo-ins. In others, jaws drop when the winner’s name is announced (assuming it was the right one, that is).

Every Oscar-winning movie is an expression of cinematic excellence. Some Best Picture winners have been no-brainers, like Casablanca, Schindler’s List, and The Godfather. But sometimes, another nomi

Finance & Real Estate

Money Talks News •

Goldco vs. Birch Gold Group: Fees, Services and Gold IRA Comparison

Gold and silver can help diversify a portfolio and provide an alternative store of value, but buying precious metals is more involved than purchasing stocks or mutual funds. Investors typically need to work through a dealer, and choosing a reputable company matters.
Goldco and Birch Gold Group are two well-known names in the precious-metals space. Both offer help with gold IRAs, IRA rollovers and direct purchases of physical metals. While their core services overlap, differences in fees, minimum...
Biz2Credit •

How to Get Physician Practice Loans and Loans for Surgery

Starting a private medical practice can feel intimidating. While a private practice may raise your earning potential and enable you to give the best care possible to patients, there are many risks involved, too. The American Medical Association (AMA) reports that the number of physicians working in a private practice has been falling, due in large part to difficulties faced by doctors opening their own practices.

The 5 Best Business Loans for Physicians With Bad Credit

Life as a medical professional can be both lucrative and fulfilling. But if you’re a physician operating a private practice, it can also be a very expensive one. The bills quickly add up between student loans, business startup costs, malpractice insurance, and more. It’s not unusual for high-earning doctors to have fallen behind on monthly payments.
If you’re a doctor with bad credit looking to make further investments in your practice, you’re not out of luck. There are business loans for physi...

What is an SBA Line of Credit?

Disclaimer: Information in the business line of credit articles is provided for general information only, does not constitute financial advice, and does not necessarily describe Biz2Credit commercial financing products. In fact, information in the business line of credit articles often covers financial products that Biz2Credit does not currently offer.
Small businesses have many funding options available to them, from conventional loans to revenue-based financing to their owners’ personal asset...

Best Payment Processing for Small Businesses

Every small business has to get paid somehow. That’s the whole point of running a business, right? But a thrift store and an insurance company get paid in different ways. Retail outfits, like thrift stores, are just one of many types of businesses that need payment processing solutions.
Payment processing for small businesses is an essential component of day-to-day operations, especially if you use point of sale tools like a cash register or iPad. Setting your business up for credit card process...

Real Estate Steering: Signs to Look Out For - Orchard

You can tell your agent is steering if they give you limited property options, biased recommendations, misleading information, or a lack of information. Here’s what that might look like in practice.

Searching for a home is a daunting enough experience, so if a real estate agent begins dodging questions, it can be especially irritating. However, there’s a possibility they’re just trying to avoid real estate steering. This illegal practice can put an agent in a lot of trouble, and it’s one of the

3 vs. 4 Bedroom: How Much Value Does an Extra Bedroom Add? - Orchard

While it’s tempting to think that you’ll add significant value to a home by simply adding two bedrooms to a three bedroom home, it’s a little more complicated than that. Not every bedroom addition is created equal.

One of the primary reasons people buy houses is to have more space. But how much space is enough, not enough, and too much? Your family will have to make that decision for yourselves, but there is a financial element to consider as well.

Whether you’re in the market to buy a home or
Fundera •

What Is Loan Principal?

Getting money from a loan is just the start of a journey that will affect your business’s taxes, accounting, and budgeting until the loan is fully paid back. Therefore, understanding business loans and, more specifically, the concept of the loan principal is crucial for small business owners.

The truth is, when you take out a loan, you actually pay back two different things: the loan principal and the loan interest.

Here, we’ll explore what loan principal is, how it can affect your monthly pay
Fundera •

8 Best Business Card Scanner Apps

Despite how frequently people connect over email and social media, business cards are still the quickest, simplest way to exchange contact information. When you’re starting a business, networking with the right people is essential to growth, which is why it’s worth having business cards on-hand when you attend a networking event or meet with a potential client.

But while having a business card to give is great, the fact remains that paper isn’t always the most reliable material. Fortunately, am

Food / Drink

How To Open A Small Restaurant With No Money

In this article, you will learn how to open a small restaurant with no money.

It may just be easier to start small. While opening a small restaurant is still expensive, it’s more achievable than diving straight into a 50-table fine dining experience. You’ll just need a lot of everything that’s not money: vision, work ethic, guts — you name it.

Yes, restaurants are a risky venture, and it’s difficult to start any business when you’re short on cash, but that doesn’t mean you can’t or shouldn’t t

How to Open a Diner With No Money (2024 Guide)

Many people have what they believe is a big-time food establishment idea. If you love food, you’ve probably thought about opening a restaurant at some point. You might have a great idea, but an idea alone isn’t enough to become successful in the restaurant industry. Restaurants are difficult and expensive to open, and about 30% fail within the first year. Sometimes, it’s easier to start small. But even opening a small restaurant like a diner costs a pretty penny. The average startup costs for a

Restaurant Management Training: How to Train a Restaurant Manager

According to Upserve, 9 out of 10 newly hired restaurant managers start out at entry level. In other words, only 10% of new restaurant managers have an ounce of restaurant management experience when they start the job. So even if you're promoting a rockstar server or chef, that doesn't mean they'll be a great restaurant manager right out of the gate, especially without the right training. According to Toast research, even for profitable restaurants, hiring, training, and retaining staff is the b