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4 Simple Ways to Downsize your Life and Save Money in a Pinch

Business man writing down different ways to save moneyConsumerism is the American way of life. It’s a sign of our prosperity and achievements over the past 100 years. The American dream is the idea that if you work hard enough, you can eventually get that big house and fill it with all sorts of goodies. There’s two major issues with this line of thinking. First, most people do not end up as millionaires in reality, and that’s ok. Second, excessive consumption isn’t always a good thing. There’s nothing wrong with splurging once in a while, but as Oscar Wilde once said “everything in moderation.”

Posted on September 29, 2016 by Ryan

MSCFCU offering 6.90% APR End-of-summer Unsecured Personal Loan Special

Michigan State University Federal Credit Union logoPersonal loans can be a smart tool used to achieve a number of financial objectives, especially when interest rates are relatively low. Debt consolidation, financing a major purchase or creating a small financial cushion can all be accomplished with a personal loan for qualified borrowers. A number of financial institutions now offer personal loans with attractive interest rates, extended repayment terms, and no need for collateral. Before selecting a loan, it is necessary to understand any restrictions on borrowing and the total costs associated with taking on a new loan.

Posted on September 26, 2016 by Melissa

Chase Sapphire Reserve – This Travel Credit Card Will Blow Your Mind

Travelers credit card on vintage wooden tableChase has outdone themselves again. The bank, the commercial unit of JP Morgan Chase, has long been considered a top player in the credit card game. With help from its investment arm, Chase has been able to secure amazing deals with other financial institutions. Those deals have then been passed on to credit card customers. But last month, the bank released yet another credit card that blew people away.

Posted on September 22, 2016 by Ryan

Bank of Oklahoma offering 2.49% Introductory APR on HELOC for 12 Months

Bank of Oklahoma logoAs interest rates remain at historic lows, homeowners have an opportunity to borrow against their home’s value in the form of a home equity line of credit. Borrowing with a home equity line of credit can be an affordable way to finance substantial expenses, such as remodeling or renovating a part of the home, sending a child (or two) to college with student loan debt, or consolidating higher-interest-rate debt like credit cards or personal loans. Securing a home equity line of credit that fits the financial needs of the homeowner starts with an evaluation of current home equity line of credit offers.

Posted on September 19, 2016 by Melissa

Navy FCU offering Service Members Special Savings when Buying a Home

Navy Federal Credit Union logoSecuring enough of a down payment for a new home purchase if often the biggest hurdle to affordable home ownership, especially for members of the military. Conventional rules of thumb suggest setting aside no less than 20% of the purchase price as an initial contribution, but in recent years, required down payment amounts have decreased among a number of lenders in an attempt to make ownership less of a challenge. While members of the military have unique benefits related to home ownership, including the ability to fully finance a home purchase through their VA provisions, additional perks through certain financial institutions are available.

Posted on September 15, 2016 by Melissa

Overcharged by Wells Fargo? You May Be Part of this Recent Settlement

Wells Fargo bank sign with blue sky and church in backgroundYet another major bank has been found guilty of shady and fraudulent practices. Wells Fargo, one of America’s big four banks, has reached a settlement with the Consumer Financial Protection Bureau (CFPB) for widespread fraud affecting millions of customers. Wells Fargo’s settlement is far from the first, and certainty will not be the last, in a long list of major banks settling with government authorities for illegal activities.

Posted on September 12, 2016 by Ryan

Catch Free Uber Rides with These Credit Cards

Uber smartphone App next to wallet with credit cardsUber is a company of the future. Ten years ago, only a few people could have imagined that one day we would be using a smartphone App to call a taxi directly to our location. Even further, companies like Uber will soon launch driverless cars in just a few years’ time, or even less. Think about it. We’ll all be using one robot to call another robot to drive us home, all autonomously. The technological achievements of Uber combined with the convenience of its service has skyrocketed its value over the past few years. As of December of last year, Uber’s value stood at $62.5 billion.

Posted on September 8, 2016 by Ryan

Union Bank offering 1.49% Introductory Interest Rate on HELOC for 6 Months

Union Bank logoWith prevailing interest rates at an all-time low, individuals seeking to borrow from financial institutions have an opportunity to do so in a relatively inexpensive way. Homeowners with established equity have a unique prospect to gain access to affordable financing through a home equity line of credit (HELOC). Through low-interest rate home equity lines of credit, homeowners can utilize the appreciated value of their primary residence to pay for life’s major expenses, including renovations to the property, college tuition for children or even a family vacation. Finding the right home equity line of credit often begins with a comparison of interest rate offers from financial institutions, followed closely by the fees associated with taking on a new line of credit against the home.

Posted on September 6, 2016 by Melissa

9 Major Credit Card Companies that Provide Your Credit Score for Free

Credit score and credit card with many hands on tableDid you know that many credit card companies offer a free credit score to their customers? Three years ago, Fair Isaac Corp, the company behind your FICO score, created a platform that allows financial institutions to provide free updates on their customer’s FICO credit scores. These reports are invaluable to those who wish to adopt healthy and responsible personal finance habits. Your credit score can change on a monthly basis. Although your actual score may not change, updates to your financial report are recorded monthly. You can use these updates as a gauge of the progress towards your desired credit score.

Posted on September 1, 2016 by Ryan

OneAZ Credit Union (AZ) offering 1.90% Introductory APR on HELOC for 6 Months

OneAZ Credit Union logoHomeowners who are lucky enough to have equity built up within their residential property have the opportunity to use it as a means to finance substantial expenses. Remodeling that out-of-date bathroom, sending a child off to college, or refinancing higher interest rate debt can all be done in a cost effective way through a low-interest rate home equity line of credit (HELOC). A number of financial institutions are currently offering hard-to-beat promotional pricing on new home equity lines of credit for well-qualified borrowers.

Posted on August 29, 2016 by Melissa

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  • Credit Card Rates

    Card TypeAverage APR
    National Average:15.22%
    Low Interest Rate:11.98%
    Balance Transfer:14.39%
    Cash Back:15.33%
    Instant Approval:18.04%
    Bad Credit:22.86%
  • Mortgage Rates

    Courtesy of erate.com