About Melissa

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:

Should a Mortgage be Paid Off Early?

Homeownership is an accomplishment many American consumers want to cross off their financial to-do list – and for good reason. Owning a home often means building equity in a stable asset that appreciates in value over the long haul, and the equity accumulated in the home can be used for cost-effective borrowing in the future. […]

Posted on February 23, 2018 by Melissa

GE Credit Union Offering Vehicle Loan Special with 0.50% Interest Rate Reduction

One of the most important financial components of buying a new or used vehicle is the financing aspect. Securing the right auto loan takes research from different lenders, including what’s available directly through the dealership. However, most car buyers get the best deal based on the purchase price of the car, their income, and credit […]

Posted on February 22, 2018 by Melissa

Arbor FCU offering No Down Payment Mortgage Special

Homeownership comes with a great deal of financial preparation. Prospective buyers have to consider the ongoing cost of the monthly mortgage payment, maintenance and upkeep expenses, as well as the upfront costs of a down payment and closing fees. Many financial institutions offer mortgages with these extra costs in mind, making it easier for qualified […]

Posted on February 21, 2018 by Melissa

Tips for Making the Most of Your Savings

As the economic landscape has continued an upward climb for the past several years, one area of personal finance remains lagging for most consumers. Short-term interest rates – those offered by banks and credit unions to savers – have been dismal for nearly a decade, causing many consumers some degree of frustration when it comes […]

Posted on February 19, 2018 by Melissa

Understanding Tax Cuts and Your Finances

Taxes have been a highly debated topic for years, but in 2017, the sweeping changes put in place through the Tax Cuts and Job Act took center stage. Through the tax-cut package, fundamental shifts in both personal and business tax laws represented the most significant transformation in tax legislation in some time. For individual taxpayers, […]

Posted on February 16, 2018 by Melissa

The Credit Impact of Home Equity Loans and HELOCs

Homeowners have a leg up on other consumers when it comes to borrowing money in an affordable way. Both home equity loans and home equity lines of credit can be cost-efficient alternatives to credit cards, personal loans, and other forms of debt given interest rates on these products are comparatively low. And homeowners who have […]

Posted on February 14, 2018 by Melissa

Planning for Major Purchases: Finding the Dollars

Big expenses come up fairly consistently throughout a lifetime. It could be the need for a new home appliance or major car repair, or an unexpected medical bill or personal emergency. No matter the source, a major expense can put a wrench in an otherwise well-thought-out financial game plan. When savings isn’t enough to cover […]

Posted on February 12, 2018 by Melissa

Thinking About Changing Banks? Consider These Factors

From online-only financial providers to global banks with a branch on every block, consumers have countless choices for their everyday financial needs. Most banks and credit unions offer similar services and products, including online access to accounts, ATM availability, deposit products like checking and savings, and options for borrowing money. But not all financial institutions […]

Posted on February 9, 2018 by Melissa

AEA FCU Offering $100 Gift Card for Members Closing on a New Mortgage in AZ

Buying a home comes with several expenses, including a down payment, closing costs, and moving costs. In addition to these common out-of-pocket costs, new homeowners also end up spending money on furnishing the home, fixing cosmetic woes, and buying appliances or décor. Each of these added purchases can stack up quickly, making it necessary to […]

Posted on February 7, 2018 by Melissa

First Commonwealth Bank offering Home Equity Loan with 3.75% Rate

Homeowners have several options when it comes to accessing affordable financing. A home equity loan can be used to fund major expenses, like a family vacation, college tuition, or a home renovation. A fixed loan may also be a good source of funding for debt consolidation, especially in a low interest rate environment. Each financial […]

Posted on February 5, 2018 by Melissa