Tag: Report

Tom Brady and Gisele Bündchen have 'grown apart' after spending most of the summer living separately: report

Tom Brady and Gisele Bündchen’s marital troubles are reportedly not due to infidelity.

According to a new report, while rumors of adultery are unfounded, the 45-year-old NFL star and the 42-year-old Brazil-born supermodel have recently “grown apart.”

“There is absolutely no accusation of cheating on either side,” an insider told Page Six. 

“Tom and Gisele have recently struggled to make their marriage work and have grown apart,” the source claimed. 

GISELE BÜNDCHEN ADMITS ‘CONCERNS’ OVER TOM BRADY’S RETURN TO NFL, SAYS SHE WISHES HE COULD BE ‘MORE PRESENT’

The source added that the embattled couple spent most of the summer living apart after taking a family vacation to the Bahamas with their son Benjamin, 12, and daughter Vivian, 9, in July.

Following their trip, Bündchen and the children spent three weeks at their home on the Nicoya Peninsula in Costa Rica, but Brady did not join them.

In addition, Page Six reported that the seven-time Super Bowl champion vacationed alone in the Bahamas with Benjamin and Vivian during his 11-day break from the Tampa Bay Buccaneers training camp in August.

“Gisele wasn’t there in August. It was Tom’s time alone with the kids,” the source noted.

The two, who have been married 13 years, reportedly have been trying to work through their issues but have been living separately with Bündchen living in New York while Brady has been staying in Florida to be close to his team.

Upon returning to camp, Brady had hinted at the pair’s marital woes during a press conference ahead of the Buccaneers’ first home game Sunday.

“It’s all personal, you know. Everyone’s got different situations that they’re dealing with,” the California native said.

“We all have really unique challenges to our life. I’m 45 years old, man. There’s a lot of s— going on, so just gotta figure out life the best you can. It’s a continuous process.”

Meanwhile, the source dispelled a previous report that the couple had an “epic row” over Brady’s decision to “unretire” from professional football in March.

“There wasn’t an epic fight,” the insider said.

“Gisele has no problem with Tom returning to football. She wants him to be happy and wants him to play if that is what he wants.

“There was never an ultimatum set down for Tom to choose between football or her. Their problems are more about the distance that has been created between them over a longer period of time.”

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Previous reports had indicated that the couple’s rift stemmed from Bündchen’s disappointment over Brady’s decision to return to the NFL as she had hoped that he would spend more time with his family in retirement.

The Vogue cover star was also conspicuously absent from Brady’s game Sunday at Raymond James Stadium in Tampa, Florida.

The game was attended by Benjamin and Vivian as well as Brady’s 15-year-old, whom he shares with ex-girlfriend Bridget Moynahan, 51. 

The quarterback was seen sharing a sweet moment with his children in a video shared by the Buccaneers’ Twitter account. He stopped to hug Vivian and kiss her on the forehead and embraced his sons before taking the field.

“Gisele continues to be dedicated to her kids and is working on personal projects,” a source told People magazine.

The Buccaneers lost their home opener to the Green Bay Packers, 14-12.

Representatives for Brady and Bündchen did not immediately respond to Fox News Digital’s request for comment.

How to Open Separate Business Bank Accounts Even with a Bad ChexSystems Report

If you have a bad ChexSystems report, it can be hard to open a separate business bank account. Having separate business bank accounts is vital to Fundability. If you have issues on your ChexSystems report, these options may work for you.

  • LendingClub Tailored Business Checking
  • BBVA Business Connect Checking
  • Bluevine
  • Nearside
  • Novo Bank

Why You Need Separation for Business Bank Accounts

There are a number of reasons for this. The most obvious is the IRS. They want to see business funds and personal funds separated. It’s much easier to provide this information if your accounts are already separate.

Also, your business banking history is important when it comes to Fundability. Not only that, but many lenders require a separate business bank account. They actually make it a requirement for funding approval.

This may be the most surprising reason however. The opening date of your business bank account can affect time in business. Some lenders consider the date the business account opens to be the date the business began. For example, say you opened your business a year ago.  Then, 6 months ago you opened a business bank account. Some lenders may consider your business to have begun 6 months ago, not a year ago.

The longer your business banking history, the better your borrowing potential is. More than that, many funding options require at least a year in business. As you can see, you shouldn’t wait to open a bank account for your business.

What’s the Catch?

Here’s the thing. Opening a business bank account may not be so easy if your personal banking history isn’t great.  Most banks use ChexSystems when determining whether they are going to let someone open an account.

As a result, your ChexSystems report can affect your ability to open business bank accounts. If you have an issue on your report, you may have a hard time opening a business account at a bank that uses ChexSystems.

Issues may include NSFs, closed accounts, and overdrafts. Many people have no idea ChexSystems even exists until they cannot get a loan or open an account because of it..

Don’t Let ChexSystems Destroy Your Fundability

The best thing is to avoid overdrafts, NSFs, and closing accounts. But, what if it’s too late? What if you already have a bad ChexSystems report?  There are some banks out there that offer business bank accounts without taking ChexSystems into account.

5 Business Bank Accounts That Do Not Use ChexSystems

1.     LendingClub Tailored Business Checking

  • LendingClub has a monthly fee of $10 that is waived if the average monthly balance is at least $5,000
  • Unlimited fee-free transactions
  • No ATM fees regardless of the ATM you use and unlimited refunds for fees charged by other banks
  • Available nationwide

3. BBVA Business Connect Checking

  • BBVA has no monthly fee
  • Up to five free withdrawals and/or processed checks in-branch per month, $1 after that
  • Up to two free in-branch deposits per month, $4 after that
  • Other transactions not mentioned are unlimited and free
  • No ATM fees from BBVA either in or out of network
  • Third-party ATM fees waived within the Allpoint network.
  • Available in Alabama, Arizona, California, Colorado, Florida, New Mexico, Texas.

4.  Bluevine

  • Bluevine offers a $0 minimum opening deposit
  • No monthly service fees or NSF fees
  • No minimum deposit or balance requirements
  • 50% APY interest rates for accounts over $1,000
  • No ATM fees at 38,000+ MoneyPass® locations nationally

5.     Nearside

  • Nearside has no monthly minimums
  • No NSF fees
  • Cashback rewards and perks.

 

6.     Novo Bank

  • Novo has no monthly fees or minimum balance requirements
  • Free transfers, mailed checks, and incoming wires
  • Refunds all ATM fees

 

Information You May Have to Provide to Open Business Bank Accounts

Each lender will have their own process for approving you to open a business bank account.  However, here is some general information you need to be able to provide just in case.

Business Information

Depending on how your business is set up, you’ll need to be prepared to provide a copy of incorporation papers and EIN. If you are not incorporated or do not have an EIN, you may still be able to open an account.  However, you need to incorporate and get an EIN for Fundability purposes.

Personal Information

They may also ask for your social security number, a state issued ID, a U.S. address and a U.S. phone number. If you are incorporated, they will typically use these for identification purposes only in an effort to prevent fraud.

Business Bank Accounts are Non-Negotiable

For your business to be Fundable, you need a separate business bank account. It is necessary to get funding from many different vendors and lenders. Beyond that, it is also necessary to get a merchant account. You must have a merchant account to accept credit card payments. Studies show people spend more when they can use credit, so it’s pretty important to have this option. Even if it isn’t something you need now, you likely will eventually.

If you have had issues with your personal bank account, these banks can help. Open your separate business bank account and start building positive business banking history. The future of your business depends on it.

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