Latest Finance Articles and Promotions

American Savings Bank (HI) Offering HELOC with Ultra Low 0.75% Introductory APR for 12 Months

American Savings Bank logoHaving access to affordable credit is an important aspect of financial well-being. A home equity line of credit is one way to accomplish this for homeowners. As the value of a residential property and the mortgage balance is paid down simultaneously, a home equity line of credit can be established to effectively borrower against the difference, also known as the equity. Homeowners can tap into a home equity credit line for big purchases, like new appliances, a home renovation, consolidation of credit card or other high-interest debt, or funding a child’s college expenses. To ensure the most affordable interest rate is secured, shopping around for a home equity line of credit with various lenders is a must.

Posted on June 28, 2017 by Melissa

How Identity Theft Protection Services Work to Protect You

Unsecured padlock illustration with words identity theftIn the United States alone, an estimated 15 million consumers are the victim of identity theft each and every year. Given the ultra-connected environment in which we live, it is no surprise that cyber criminals are constantly on the hunt for gaps in security systems of companies operating online and in physical locations. Data breaches take place in both government and private organizations, regardless of size or industry, and consumers fall victim to phishing scams and other unsavory activities regularly. Individuals who have been the victim of identity theft pay the price when new accounts are opened in their name, and credit is used without their knowledge. Preventing identity theft is big business as more information is housed online, and consumers need a way to protect their confidential financial and personal data. Identity theft protection services have become increasingly popular to accomplish this task.

Posted on June 27, 2017 by Melissa

Top Home For Sale by Owner Websites

Home for sale by owner yard signOne way to save money when selling your home is to do all the work yourself. Selling your own home can cut out the expensive middlemen such as real estate agents and brokers. This also insures that you have full control of the amount you sell your home for and who purchases your home.
While there is more time and effort involved in selling your own home the internet has helped tremendously. You can find wonderful and informative websites that cater to owners who are selling their own homes or other properties.

Posted on June 26, 2017 by Lindsey

Independent Bank (MI) offering $1,000 Off Mortgage Closing Costs

Independent Bank logoPurchasing or refinancing a home is often an expensive endeavor, given the need for a down payment for buying, and closing costs for either transaction. In some cases, current and prospective homeowners are quickly dissuaded from making their ownership dreams a reality because of these cost constraints. Fortunately, a number of financial institutions offer programs to make the process of buying or refinancing a home less expensive through discounts on associated costs. Get offers from multiple mortgage lenders.

Posted on June 22, 2017 by Melissa

MidWestOne Bank offering HELOC with 0.99% Introductory Interest Rate for 6 Months

MidWestOne Bank logoA home equity line of credit (HELOC) can be a valuable financial tool for homeowners. As equity accumulates over time, due to a rising market value of the home combined with the pay down of a mortgage balance, homeowner’s have the ability to borrow against that equity to fund major expenses. Paying for a child or grandchild’s college education, renovating the home, or consolidating higher-interest debt are all viable ways to utilize a home equity line of credit when the need arises. Several financial institutions offer affordable home equity lines of credit to qualified borrowers, but it takes some shopping around to find the best-fit product.

Posted on June 21, 2017 by Melissa

8 Steps to Budgeting and Keeping a Close Eye on Your Finances

Budgeting pie charts and graphs on paperwork with penBudgeting has gotten a bad rap. It’s not all about reusing paper towels and stockpiling money under the mattress. It’s definitely not about depriving yourself. Budgeting is all about telling your money where to go so you won’t wonder where it all went. Doesn’t that sound nice? Of course it does! But how do you do it? Here’s how:

Posted on June 20, 2017 by Nicole White

5 Things You Need to Know About Cash Back Credit Cards

Cash in jean back pocket with blue credit cardCash back credit cards sound pretty amazing, right? The commercials make it sound like you’ll get a fat check in your mailbox every month just for going about your usual spending – but is that true? Sort of. If you have been thinking about opening a new line of credit and want to earn cash back, there are some things you need to know about these programs.

Posted on June 19, 2017 by Nicole White

How Much Should You Really Be Spending on Housing?

Man handing over cash in front of beautiful houseWhether it’s your first apartment, a summer rental, or your dream house, one thing is for certain: Figuring out how much to spend on housing is confusing. You’ve probably heard the age-old advice that you should spend about 1/3 of your income on housing, and it makes sense at first glance. Leaving yourself with 2/3 of your monthly income to spend on bills and savings sounds great – there’s just one problem. Apparently, most Americans aren’t following this rule, and for good reason.

Posted on June 16, 2017 by Nicole White

First Progress Secured Credit Cards Compared – Platinum Elite vs Prestige vs Select

First Progress logoIf you’ve struggled with poor management of your finances in the past and now have less than stellar credit, you aren’t alone. Millions of consumers find themselves in the uncomfortable circumstance of having bad credit, but it isn’t a life sentence. Understanding the tools available to you to help you rebuild your credit is a step in the right direction. Secured credit cards – those that are tied to a checking or savings account as collateral – are available to just about anyone who has poor credit. So long as payments are made on time, they work to repair your credit by showing creditors you are a responsible borrower. First Progress offers three secured credit cards to help those with bad credit, including the Platinum Elite, Prestige, and Select cards. Here’s how each works.

Posted on June 15, 2017 by Melissa

3 Strategies to Slash Your Student Loan Debt

Recent college graduate in hat and gown upset about tuition price tagDo you have a pile of student debt that’s keeping you up at night and causing waves of anxiety during the day?  You’re not alone.  Student debt is one of America’s largest financial crises, and one of our country’s most ominous financial bubbles.  Student loans are notoriously risky, because your entire promise of repayment (or lack thereof) is staked on how you fare post-graduation.

Posted on June 14, 2017 by Devin Trim

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