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How Will an Interest Rate Hike Affect You?

Federal Reserve interest rate hikeIn the world of finance, analysts have been poring through data over the past year in preparation for an interest rate increase from the Federal Reserve. You don’t need to worry about the complex intricacies of the financial world, but you should know some of the basics. The Federal Reserve is the central bank of the United States and the issuer of US currency. It is responsible for setting many different monetary policies, including national interest rates.

Posted on November 30, 2015 by Ryan

What is Lending Club all About?

Lending Club logoEstablished in 2006, Lending Club is a San Francisco-based peer-to-peer lending company, also known as a marketplace lender, that caters to individuals and small businesses. The company is one of the pioneers in the disruption of conventional bank lending, as it is committed to providing transparent and efficient borrowing through the use of innovative technologies and crowdfunding. Lending Club provides a myriad of lending products each which are facilitated through its technology-based platform where borrowers have the opportunity to access funding from a pool of investors, known generally as the crowd. As of November 2015, Lending Club has facilitated $11.2 billion in personal and business loans, and the company recently completed a success initial public offering (IPO).

Posted on November 27, 2015 by Melissa

BBVA Compass Bank offering 3.5% Home Equity Line of Credit

BBVA Compass Bank logoA Home Equity Line of Credit (HELOC) can be a lifesaver for homeowners, giving them the opportunity to handle major expenses with budget in mind. Consolidating high interest rate debt is a common use for funds borrowed through a home equity loan, although money can be used without restriction for any cost the homeowner deems worthy.

Posted on November 25, 2015 by Melissa

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 23, 2015 by Ryan

The Truth About Payday Loans

Payday Loan StorefrontOut of all of the lenders that you can chose from, payday loans are arguably the worst, by far. In almost all situations possible, it would be best to avoid a payday loan at all costs. For those who are unfamiliar, a payday loan is essentially a small and quickly distributed loan from a shady pseudo-financial institution. You’ve probably passed by a payday shack at some point in your life. The usual signs of a payday joint are a rundown, older building with neon signs flashing “cash advance” or “quick cash here”.

Posted on November 20, 2015 by Ryan

Marketplace Lenders: An Alternative to Bank Loans

Person with idea and marketplace lendersOver the last decade, a promising shift in the financial landscape has taken place to the benefit of individual borrowers. Financial technology, often referred to as fintech, is the marriage between conventional banking products and innovative online platforms – a more convenient and at times, more cost effective method to serve the financial needs of individuals without the overhead associated with a brick and mortar location. Fintech in the arena of personal lending has created a disruptive environment for big banks by cutting out the middleman, leading to additional options for those seeking financing for life’s expenses through marketplace or alternative lending.

Posted on November 18, 2015 by Melissa

Valley Bank offering $499 Home Mortgage Loan Refinance Special

Valley National Bank logoHomeowners earn a number of benefits after purchasing a home, from potential tax savings to accessible equity as the mortgage balance is paid down. However, a home loan with a higher than average interest rate can slow down the process of building equity over time. In a low interest rate market, homeowners have the ability to expedite mortgage balance pay down as well as reduce their monthly repayment amount through the process of refinancing. Prior to going through a refinance with a mortgage lender, it is beneficial to weigh the costs associated with the process against the long-term savings of a lower interest rate or reduce monthly payment.

Posted on November 16, 2015 by Melissa

November is Long Term Care Awareness Month

Long-term CareSince 2001, the American Association for Long-term Care Insurance, in conjunction with numerous government and private organizations, has worked to promote long-term care awareness through targeted campaigns and marketing initiatives. Initially, education surrounding the need and purpose behind long-term care planning and insurance was limited to a single week in November. Given our aging population and the heavy financial impact a lack of long-term care planning can have on families and the government, long-term care awareness now takes place throughout the entire month.

Posted on November 13, 2015 by Melissa

How Companies are Appreciating Veterans this Veteran’s Day

Happy Veterans Day flagVeteran’s Day is upon us and although we should show our appreciation year-round, we owe it to our troops and veterans to show our appreciation and admiration on this day. Veterans are our brothers, our fathers, our neighbors, our friends and our colleagues. There are many ways that you can show your appreciation in your own life. Here are some companies showing their love and support for veterans in their own way.

Posted on November 11, 2015 by Ryan

Fulton Bank offering HELOC with 1.99% Introductory Interest Rate for 12 Months

Fulton Bank logoA Home Equity Line of Credit (HELOC) can act as a lifeline to homeowners who have accumulated equity in their home over time. Life’s major expenses, including renovations or repairs around the house, education funding needs, consolidation of high interest rate debt or major medical bills, can all be managed in an affordable way by utilizing a home equity line of credit with a low interest rate. In the current low interest rate market, a number of financial institutions are offering homeowners an opportunity to obtain a home equity line of credit with a low introductory rate that keeps the cost of borrowing down.

Posted on November 9, 2015 by Melissa

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  • Credit Card Rates

    Card TypeAverage APR
    National Average:14.96%
    Low Interest Rate:11.62%
    Balance Transfer:14.07%
    Cash Back:15.27%
    Instant Approval:18.00%
    Bad Credit:22.73%
  • Mortgage Rates

    Courtesy of erate.com