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:

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

Having 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 […]

Posted on June 28, 2017 by Melissa

How Identity Theft Protection Services Work to Protect You

In 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 […]

Posted on June 27, 2017 by Melissa

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

Purchasing 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 […]

Posted on June 22, 2017 by Melissa

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

A 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 […]

Posted on June 21, 2017 by Melissa

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

If 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 […]

Posted on June 15, 2017 by Melissa

Fundera Helps Small Businesses with Bad Credit Get a Business Loan

For small business owners, lenders have a difficult time looking past financial blunders of the past when it comes to applying for a new credit card or loan to fund business operations. Your personal credit score is closely tied to your business, which can make it difficult to secure the funding you need quickly and […]

Posted on June 13, 2017 by Melissa

Logix FCU (CA) offering New Home or Refinance Loan with $2,000 Closing Cost Discount

Homeownership comes with a number of benefits, like long-term financial stability and borrowing opportunities once equity has reached a certain level. However, being able to afford a home purchase or refinancing a current mortgage loan can be a challenge for some individuals. The combination of down payment funds and closing costs often put a significant […]

Posted on June 12, 2017 by Melissa

MidSouth Bank offering Home Equity Line of Credit with 2.45% Introductory APR for 6 Months

Being a homeowner can be financially beneficial once the value of the home rises above the outstanding balance remaining on a mortgage loan. Once that takes place, a home equity line of credit (HELOC) can be used to finance larger expenses, from college funding for children or grandchildren to a home renovation or remodel. Home […]

Posted on June 6, 2017 by Melissa

The 3 Major Credit Bureaus Tracking Your Business – Equifax, Experian and Dun & Bradstreet

Having strong business credit is an integral factor in operating a sustainable company. Lenders need to feel comfortable that a business has a track record of on-time payments as well responsible use of credit accounts before they will offer new financing at a reasonable cost. In addition to following the steps to build and maintain […]

Posted on June 5, 2017 by Melissa

Why all Credit Scores are Not the Same

Credit scores are an important aspect of anyone’s financial life, as they are used to gauge whether an individual is worthy of a new credit card, an auto loan, a mortgage, or even a new job. Responsible financial behaviors, like paying bills on time and not maxing out a credit card limit, work to the […]

Posted on June 1, 2017 by Melissa