Latest Finance Articles and Promotions

Research Reveals the Issue with Retail Credit Cards

3 young Asian females shopping with retail credit cardIn the search for the best credit card, consumers often turn towards retail credit cards. Traditionally, credit cards are offered by major banking institutions like Chase, Bank of America or Citi. There are also companies dedicated to credit cards, such as Discover and Capital One. But there are also retail credit cards, which are store specific cards that incentivize spending at that store. Many gas stations like 76 offer retail credit cards, as does Walmart, Target and Macy’s.

Posted on December 6, 2016 by Ryan

NASA FCU offering 100% Home Loan Financial with No PMI

NASA Federal Credit Union logoOne of the biggest hurdles on the path to homeownership is the amount of cash necessary to complete the transaction. All in, a prospective homebuyer needs to have a down payment, closing costs, prepaid expenses related to the new mortgage, as well as moving and transition costs. For someone without thousands in the bank, getting into your first home can be a true challenge. Fortunately, several options exist throughout various financial institutions to make the process – and cost – of homeownership less daunting.

Posted on December 5, 2016 by Melissa

What to Do if You’ve Bought a Lemon Car

Car sketch with lemons for wheelsAs a major purchase, a vehicle is often viewed as an investment for the next five, seven, or 10 years. For most, a significant amount of research goes into finding the right vehicle with the right price tag from the right seller, making it not just an investment of money but also of time. It is no surprise, then, that the fear of buying a new or used car that ultimately ends up being worthless due to costly repairs is high on the list of worries among car buyers. Fortunately, federal and state lemon laws protect you as the buyer should you face the fact that you purchased a lemon vehicle.

Posted on December 2, 2016 by Melissa

Los Angeles FCU (CA) Offering $300 New Member Giveaway

Los Angeles Federal Credit Union logoCredit unions offer a different experience than some national or regional banks. The majority of credit unions are able to offer lower interest rates and fees on lending products while simultaneously providing slightly higher rates on deposit products, like money markets and certificates of deposit. The perks inherent to most credit unions are due to the membership structure – credit unions work to benefit their members, not their stockholders, creating a stronger relationship that is less focused on profits for the institution itself.

Posted on November 28, 2016 by Melissa

Cyber Monday: History, Economics and Predictions

Cyber Monday spelled on laptop with coffee on deskWhile Black Friday is a distinctly American phenomenon, Cyber Monday is a worldwide event. It takes place on the Monday following Black Friday. It’s also a much newer informal holiday, dating back to 2005 instead of the late 1800s. The term was originally coined in an effort to promote online shopping over the mad dash at brick-and-mortar stores. Since its creation, Cyber Monday continues to grow by roughly 20 percent every year.

Posted on November 25, 2016 by Ronda

Use Black Friday and Cyber Monday Deals to Your Advantage

Black Friday and white Cyber Monday cell phonesThe holiday season is upon us, and with the coming of the season, retailers join the festivities by offering large discounts and other incentives. There is one day in particular, known as Black Friday, which has become a pseudo-holiday in the US. We know it as the time when people flock to stores across the nation to take advantage of the sales being offered. With the inception of the internet, this holiday has extended into Cyber Monday, an online version of Black Friday.

Posted on November 24, 2016 by Ryan

Getting the Most out of Cyber Monday Shopping

Cyber Monday sale tag displayed on laptop near storeThe shopping frenzy that takes place between Thanksgiving and Christmas is no joke. Millions of Americans pour into malls, retailers, and online hubs to find the perfect gift at an unbeatable price each and every year. But some have grown tired of the long lines and grumpy consumers taking to the pavement for Black Friday deals. For those who want to rake in the savings without the crowds – and maybe a glass of eggnog or two – Cyber Monday is here to save the day.

Posted on November 23, 2016 by Ryan

Chase Ink Business Preferred Review: Hot New Credit Card

Businessman putting credit card in pocketChase Bank is at it again. After releasing the highly sought after Chase Sapphire Reserve travel rewards card, this bank is at it again with a new business credit card. Last month, Chase announced the Ink Business Preferred credit card and the card’s benefits have yet again blown people away. Chase is the commercial banking branch of JP Morgan Chase, the largest investment bank in the world. Because of this, the company is able to offer sometimes astounding financial products. Even after wowing consumers with the Chase Sapphire Reserve credit card a few months ago, Chase has outdone itself yet again.

Posted on November 22, 2016 by Ryan

Genisys CU offering 7.75% Unsecured Personal Loan for the Holidays

Genisys Credit Union logoThe hustle and bustle of the holiday season is often described as the most wonderful time of the year, but that isn’t always the case for your budget. Gifts, travel, and parties galore end up eating into the budget relatively quickly, making it difficult to transition into the new year without a financial headache. A personal loan can be a smart way to spread out the inevitable holiday expenses that is both easy and affordable.

Posted on November 21, 2016 by Melissa

Time to Get Ahead of Next-Generation Mortgage Fraudsters

Real estate mortgage fraudster sitting at computerMortgage fraud is a critical issue that the real estate industry and finance sector needs to address proactively. In Europe alone, the private sector registers close to 90 billion Euros each year in fraudulent activity. According to Equifax, mortgage fraud in Canada has increased by almost 50 percent. Such fraud is burdening the global economy and it is high time the housing industry joins hands to stay one step ahead of next-gen fraudsters. Fortunately, technical experts have an answer to resolve issues in favor of a more prudent banking system in the United States. The difficulty lies in being able to implement a technology that will be widely accepted—by customers, banks, and their partners.

Posted on November 19, 2016 by Guest Author

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