August 2022

Your Guide to a Credit Freeze

2022-07-21T11:24:24-04:00August 11th, 2022|Categories: Credit, Education, Fraud Prevention|Tags: , , , , , , |

How to Freeze and Unfreeze Your Credit You've likely heard about something called a credit freeze in the last few years. Essentially, it’s a way to lock your credit report so that no one can access it. That means legitimate creditors and fraudsters alike. While putting your credit on ice has been free under federal [...]

Personal Loans vs. Lines of Credit

2022-07-19T13:14:14-04:00August 4th, 2022|Categories: Personal Loans Category|Tags: , , , , , , , |

Whether it’s a summer vacation, unplanned expense, or extra funds to bridge the gap between paydays, credit cards seem to be the popular choice, given their convenience. However, personal loans are often the better choice in terms of affordability. Personal loans (also called signature loans) typically charge lower interest rates than credit cards. They also [...]

July 2022

The Importance of Keeping Your Account Beneficiary Current

2022-07-19T10:34:21-04:00July 21st, 2022|Categories: Education|Tags: , , , , , |

As an adult, a significant part of managing your finances is preparing for the future. In the short term, that may include putting money aside in an emergency fund for unplanned expenses. Long-term, actively saving in retirement accounts helps to ensure you’ll be ready for your golden years. Some people overlook naming a beneficiary. [...]

June 2022

4 Areas Missed When Buying a House

2022-06-03T11:12:45-04:00June 23rd, 2022|Categories: Mortgages Category|Tags: , , , , , |

If you're in the market for a new home, or your first home, you likely already researched what it's like buying a house. Financially, you’re ready. You have money set aside for the down payment and closing costs. You’re pre-approved for your mortgage. Your monthly budget is ready to go, and a stellar real estate [...]

Are You Ready for an Electric Car?

2022-06-02T15:23:56-04:00June 16th, 2022|Categories: Uncategorized|Tags: , , |

Today’s car-shopping experience provides many options that weren’t around a decade ago. Not only can you choose a variety of makes and models, but now you also have the option of buying electric cars, or electric vehicles (EV). With gas prices over $5/gallon, you may already be considering going electric. Electric cars are gaining in [...]

How Long Do Negative Marks Stay on a Credit Report?

2022-06-02T11:12:51-04:00June 9th, 2022|Categories: Credit|Tags: , , , , , , |

It’s no secret an excellent credit score comes with many financial perks. It can help you qualify for the loans you need and pay less interest on the funds you borrow. Good credit also makes renting an apartment easier and can even earn you discounts on your car insurance. However, how much do negative marks [...]

Buy Now, Pay Later: Is There a Catch?

2022-06-02T12:52:59-04:00June 2nd, 2022|Categories: Education|Tags: , , , |

The ability to buy a product or service now and pay for it over time is nothing new. It's the same concept that made credit cards one of today's most popular forms of payment. Yet, everywhere you look lately, from grocery stores to online retailers, there is a “new” way to pay: Buy Now, [...]

May 2022

Lease Buyout – Is it a Good Financial Decision?

2022-05-19T12:54:22-04:00May 26th, 2022|Categories: Auto Loan Cat, Uncategorized|Tags: , , , , , , |

A lease buyout wasn't always the best financial decision. If you listened to the most popular financial gurus, they wouldn't suggest leasing to begin with. But, not everyone can handle a new car payment. There are benefits to leasing a car. However, the newest hot topic is lease buyouts. Is it a good idea to [...]

Is a Zero-Based Budget Right for You?

2022-05-04T13:15:53-04:00May 19th, 2022|Categories: Uncategorized|Tags: , , , , , |

It’s no secret that a budget is one of the best ways to set yourself up for financial success. With a traditional budget, you can see how much money you have and know exactly where your money is going. Once all this information is laid out, it’s much easier to manage your monthly bills and [...]

How to Find College Scholarships

2022-05-04T13:16:34-04:00May 5th, 2022|Categories: Uncategorized|Tags: , , , , , , |

A college degree remains one of the best investments in your future self. It can open doors to new career opportunities and increase your earning potential significantly. However, the cost of higher education today leaves many wondering if it’s worth the investment. This is where college scholarships come in. While college expenses continue to rise, [...]

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