Latest Finance Articles and Promotions

Credit Card Fraud – Victims Rights and Options

Three credit cards locked together on computer keyboardFinancial fraud is widespread and feared by most of the public. One of the most gut-wrenching feelings is opening a credit card statement and seeing huge payments for items you didn’t order. With the proliferation of the internet across the world, especially poorer countries like China, the number of hacking attempts against personal information and credit cards continues to increase. It is now easier than ever to steal someone’s information and use it to purchase something while remaining completely anonymous. But there are various tools you can use to protect yourself should you find yourself the victim of one of these attacks.

Posted on January 16, 2018 by Ryan

State Department FCU Offering Holiday Loan Special with Low 6.49% APR

State Department FCU logoState Department FCU logoThe start of each new year brings the opportunity to refresh and set new goals for the upcoming 12 months. But when it comes to personal finances, setting new financial intentions for the year can be a challenge when financial emergencies strike or when there is still a money hangover from the busy – and expensive – holiday season. When the need for extra cash arises, a personal loan can be a lifesaver.

Posted on January 15, 2018 by Melissa

5 Top Triggers That Will Increase Your Chance of an IRS Tax Audit

Audit word under magnifying glassWith another tax season fast approaching, it’s common for individuals taxpayers to start thinking about their chances of an IRS audit, especially when a tax situation is complex. A taxpayer has a higher chance of avoiding an IRS audit by following proper account filing instructions from the start. Unfortunately, the IRS does not publicly share a list of common mistakes taxpayers can avoid. If you are not a chartered accountant, it is best to hire a CPA that has experience in complying with tax laws to keep your chances of an audit low.

Posted on January 12, 2018 by Guest Author

Financial Do’s and Don’ts for the 2018 New Year

To-do list spiral notebook pencil, mobile phone and cup of coffee on tableWith each new year comes the perfect opportunity to reflect on you’re the progress of your financial life and create actionable goals for the 12 months ahead. While most people focus on saving more money or paying down debt as a new year’s resolution, others may place importance of shifting behaviors around money management in an attempt to improve one’s financial circumstances. Regardless of whether your new year’s financial resolutions revolve around the dollars and cents, or on changing your money habits, here are several financial do’s and don’ts you may want to consider implementing, or avoiding, this new year.

Posted on January 11, 2018 by Melissa

Revolving Credit vs Installment Loans and Impact on Credit

Revolving credit credit vs installment loansDo you have any revolving or installment credit lines on record right now? Do you even know the difference between the two? Don’t worry if you’re confused, we’re about to clear things up. If you already have a basic understanding of how your credit score is determined, then you’re ready to move on to the more advanced stage of understanding.

Posted on January 10, 2018 by Ryan

Bank of America Offering Discount on Mortgage Origination Fees for Preferred Rewards Members

Bank of America logoBuying a home comes with a handful of expenses, from the down payment to lender fees associated with a new mortgage loan. When all costs are combined, homeowners in the process of buying or refinancing can be out of pocket a pretty penny. To help quell these expenses, some financial institutions provide discounts or other savings programs specific to homeowners and their unique financing needs.

Posted on January 9, 2018 by Melissa

Strategies for Getting Funding as a Large Corporation

Woman writing where can I get business financingRunning a business is no small feat, and when that business is successful enough to grow into a large corporation, significant amounts of capital are needed to keep it moving in the right direction. Corporations typically have several employees, production facilities, inventory warehouses, brick-and-mortar retail locations and a substantial online presence, all which require funding on some level to maintain. Finding the right funding for as a large corporation can be challenging, but it is helpful to start with a basic understanding of the options available to big business. Here’s what you need to know about strategies for getting funding as a large corporation.

Posted on January 8, 2018 by Melissa

Credit Score Ranges – What You Need to Know

Credit score range checklistCredit. It’s a tiny word that packs a powerful punch. Your credit, based on your score and history, is not only an indicator of how much of a risk you pose to new creditors but also how responsible you may be as an employee, a volunteer, or a renter. Nearly everyone from credit card issuers and banks to landlords and corporations analyze who you are, financially speaking, based on this three-digit number. That makes it necessary to understand what is considered “good” or “bad” credit.

Posted on January 5, 2018 by Melissa

Arizona Central CU Offering Mortgages for Sub-Par Credit

Arizona Central Credit Union logoSecuring the right mortgage for a new home purchase can seem like a daunting task, especially when a buyer’s credit or financial means are less than ideal. Some financial institutions are willing to lend a necessary hand in getting prospective buyers to their goal of home ownership sooner rather than later, with dedicated mortgage programs that have less stringent qualification requirements.

Posted on January 4, 2018 by Melissa

Troubling Paying Off Your Loans? Consider Debt Settlement

Debt Settlement written on paper with charts and graphsOne common theme in my articles is the ever increasing debt load facing Americans. Times are still tough, even though it’s been years since the Great Recession. People are still relying on debt to get them through these tough times. When things really start to get out of hand, it might seem that all hope is lost. When debt piles up and becomes impossible to pay off, some people consider bankruptcy. But before taking that option, consider debt settlement.

Posted on January 3, 2018 by Ryan