About Melissa


Melissa has worked in the financial services industry for the past several years, and works to help her clients understand the often complex financial vehicles available to them for both lending and investment strategies. She is passionate about financial literacy, and as part owner of her financial planning firm, she strives to educate her clients in a way that empowers them to make the most suitable financial decisions for their unique circumstances.In addition to working with her financial planning clients, Melissa contributes articles to a number of business and finance related sites, such as APRfinder and P2Binvestor; she also is a columnist for elephant journal, which showcases more personal musings. To keep up with Melissa’s published work, or to see the occasional (read, frequent) puppy cameo, follow her on Twitter.

Recent Posts by Melissa:

Using Suppliers to Establish Business Credit

Just with personal credit, business credit is an integral component of a company’s overall credibility. Having bad business credit has a negative effect on the financial ability of a company moving forward, as it creates a question in the mind of lenders, suppliers, and other vendors as to how reliable the business is. The riskier […]

Posted on March 23, 2017 by Melissa

Top Financing Options for New & Used Motorcycles

There’s nothing quite like the freedom that comes with hitting the open road on a new or used motorcycle. However, the average cost of a new motorcycle is $14,497 which most buyers don’t have easily accessible from a savings or checking account. Whether you’re considering an upgrade to your current ride or are in the […]

Posted on March 20, 2017 by Melissa

Logix FCU offering Home Equity Line of Credit with 2.99% Introductory APR for 12 Months

Using a home equity line of credit (HELOC) to pay for major life expenses is a sound alternative to conventional bank loans. A home equity line of credit offers flexibility in how much you can borrow, when the outstanding balance is repaid, and for what purpose the funds are used. Additionally, home equity lines of […]

Posted on March 16, 2017 by Melissa

US Bank offering Home Equity Line of Credit with 1.99% introductory APR for 6 months

As a homeowner, one of your most valuable assets is the equity built up in your home. Banks and credit unions make it relatively simple to access that home equity through a home equity line of credit (HELOC), which offers flexibility in how much your borrow and when you pay the balance back. A home […]

Posted on March 14, 2017 by Melissa

Top Websites to Get Your Credit Report & Score for Free

Accessing your credit report from each of the three major credit bureaus is a reasonably simple process when you utilize the Annual Credit Report centralized website. In addition, each of the credit reporting agencies provides access more than once per year through different methods, all at no cost to you. In recent years, several alternatives […]

Posted on March 13, 2017 by Melissa

EECU (CA) Waiving $125 Application Fee on Home Equity Line of Credit

Securing a line of credit has financial benefits hard to come by with most other personal finance vehicles. Using the available equity in your home provides an affordable way to pay for some of life’s biggest expenses, like consolidating high-interest credit card debt, funding a child’s college education, or paying for major repairs or upgrades […]

Posted on March 8, 2017 by Melissa

SharePoint Credit Union (MN) offering $1,000 off Home Mortgage Loan Closing Costs

Buying a home, whether it is your first or an upgrade from your current, is an exciting time. It can, however, be a drain on a savings account. In addition to funds necessary for the down payment, homeowners also need money to cover closing costs and moving expenses. Before getting too concerned with the out-of-pocket […]

Posted on March 6, 2017 by Melissa

Business Tax Returns – Key Filing Dates for Businesses in 2017

Not many feel a sense of excitement around tax time, but for businesses, it is important to be ahead of the game. While tax reduction strategies should be implemented throughout the calendar year, keeping a close eye on annual tax filing and other key tax dates is just as necessary. Starting in January, businesses have […]

Posted on March 3, 2017 by Melissa

Fremont Bank (CA) offering Home Equity Line of Credit with No Closing Costs and Waived Fees

Securing a home equity line of credit can be a valuable tool in covering some of life’s big purchases, like consolidating debt, paying for home renovations over time, or taking that long-dreamed-of family vacation. However, a home equity line of credit, similar to a new mortgage loan, often comes with closing costs that make the […]

Posted on March 2, 2017 by Melissa

Get your Free Credit Report through the Credit Bureau Websites – Equifax, TransUnion & Experian

Receiving your free annual credit report is most easily accomplished by going through AnnualCreditReport.com – the central website put together by the Federal Trade Commission and the three major credit reporting agencies, Equifax, Experian, and TransUnion. The process is simple, whether it is done online, by phone, or through the mail, and does not carry […]

Posted on March 1, 2017 by Melissa