Latest Finance Articles and Promotions

Get Your Free Annual Credit Report from Equifax, Experian & TransUnion

Hanging free credit report sign with right arrowChecking your credit report periodically is a smart way to stay on top of your bigger financial picture. Your credit report details personal information, such as your name, date of birth, previous and current addresses, and employers, but more importantly, it lists out all of your credit history. Credit accounts, such as credit cards, auto and personal loans, mortgages, and student loans, bankruptcies, collection accounts, and public records are also included in each individual credit report. When information on your credit report is incorrect or out of date, it can hurt your chances for getting affordable credit in the future.

Posted on February 24, 2017 by Melissa

Bank of Oklahoma offering $125 Cash Bonus with Approved Auto Loan

Bank of Oklahoma logoMost people cannot buy a new or used car without the help of financing, either from the dealer directly or a financial institution. Auto loans are relatively straightforward, but each lender has a set of requirements as it relates to the borrower’s credit history, not to mention a variety of repayment terms and applicable interest rates. Prior to driving away in your new ride, it’s important to shop around for an auto loan that best meets your financing needs.

Posted on February 23, 2017 by Melissa

Land Equity Loan Options for Vacant Landowners

Large area of rural vacant land with green trees and brushOwning a piece of land without a developed structure on it can be a smart financial move. Building on the property in the future may lead to your dream home, or keeping it in the family to pass down from generation to generation may create your legacy. While owning land is an open book for most, it is, at its core, an unused asset. Most landowners have a difficult time tapping into the equity built up in the property over time, especially when there is no intention to build on the land in the immediate term.

Posted on February 22, 2017 by Melissa

First Commonwealth Bank offering $350 Cash Back on New Mortgage Loan

First Commonwealth Bank logoPurchasing a home is a substantial financial endeavor. Cash on hand for closing costs, moving expenses, furnishing the place, and a down payment adds up to a pretty penny no matter the size or location of the property. Establishing a savings account and habit of consistently setting money aside helps with the financial burden of getting into a new home, but fortunately, there are a handful of promotions that help relieve some of the monetary pressure.

Posted on February 21, 2017 by Melissa

Amazon’s New Prime Rewards Visa Signature Credit Card Review – Who Benefits Most?

Amazon Prime Rewards Visa Signature credit cardIn January 2017, the online giant, Amazon, launched a shiny, new rewards credit card for its most loyal shoppers. The Amazon Prime Rewards Visa Signature Card made a splash among Amazon customers given its enhanced benefits and rewards potential, exclusively available to Prime account members. The Amazon Prime Rewards Visa Signature Card has a big draw, but it isn’t the perfect fit for everyone. Here’s how the rewards credit card breakdown, and what the means for you.

Posted on February 20, 2017 by Melissa

Practical Ways to Fund Your Startup Business

Man with business idea circled by startup companiesThere’s a certain allure to being your own boss. The promise of flexible hours, creating an income with no foreseeable caps, and having an impact on the community or industry are all reasonable draws to starting a business. However, most startups remain in the dream phase due to one common, difficult hurdle: financing. Funding a startup is a challenge because few individuals have the necessary cash lying around to pay for the initial costs, especially when a physical location is necessary to operate the business. Getting a conventional loan from a bank isn’t easy these days when you don’t have a strong track record of profit to show. Fortunately, there are several practical ways to fund your startup that can help you move your business from dream to reality.

Posted on February 17, 2017 by Melissa

Home Equity Loan Options for Mobile Homes

Gray manufactured mobile home with stone skirting sitting on nice grass with blue skyPurchasing a mobile home is one method to enter the housing market in an affordable way. Mobile homes are far less expensive than stand-alone single family homes, and because they are manufactured to be moved, mobile homes are often treated as personal property instead of real estate. This designation keeps property taxes relatively low and saves homeowners on insurance over the long term. While the fluidity of a mobile home is appealing to some, it creates a challenge in home financing, even for the most qualified borrowers.

Posted on February 16, 2017 by Melissa

IRS Tax Payment Options – When You Owe More Than You Can Afford

Man with bag of cash running from tax handTax season can be a bit of a drag if you have paid too little to Uncle Sam throughout the year. Withholding too little from W2 income, not calculating self-employment tax burdens, or skipping quarterly payments due on additional earned income can create a situation where you owe money to the IRS. In some cases, that liability is far more than anticipated, making it difficult to make ends meet. If you owe more than you can pay on your federal income tax this year, don’t worry; the IRS has options for you.

Posted on February 15, 2017 by Melissa

Valentine’s Day – Fun Facts to Know

Terrier love dog with heart glasses and red rose holding blackboardLove it or hate it, Valentine’s Day is the holiday of love. Couples new and old celebrate with romantic dinners, weekend getaways, and of course, all the chocolate and candy one’s heart may desire. Although Valentine’s Day is well-known throughout the world as a holiday for celebrating relationships, there are most likely a handful of facts about February 14th that aren’t common knowledge.

Posted on February 14, 2017 by Melissa

Desert Schools FCU (AZ) offering Home Equity Line of Credit with 2.49% Introductory APR for 12 Months

Desert Schools Federal Credit Union logoA home equity line of credit (HELOC) is a valuable tool for homeowners, as it allows for easy, affordable access to equity. When interest rates are low, a home equity line of credit can be used to fund life’s major expenses, including college funding for children, large home projects or renovations, or consolidating debt that carries a higher interest rate. Securing a home equity line of credit takes some shopping around, however, to ensure you’re getting the most bang for your buck.

Posted on February 13, 2017 by Melissa

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