Wesley LeFebvreLoyalty reward programs have been used for decades to entice customers to shop at a specific store. Rewards include receiving discounts on current or future purchases, cash back on some or all purchases, or points that can be redeemed in a variety of ways. You might call these first-party rewards programs. Programs such as Starbucks
Well, it’s your favorite time of the year – tax season! Haha. Just kidding, I know it’s Take Your Dog to Work Day (TYDTWD). Sorry, around this time of the year I start to go crazy. It’s because of the long cold stretches here in Eastern Washington. The nearby golf courses are still closed, and
If you’ve been turned down for a personal, auto, home equity, or other type of loan and own a home, you may still be able to obtain funding by taking advantage of a home equity agreement (HEA). Also known as a home equity investment or HEI, a home equity agreement can be helpful to homeowners
U.S. Household debt is on the rise. Some of it can be attributed to wages not growing at the same pace as inflation. However, there will always be Americans who need to take on extra debt to pay for an unexpected medical emergency, obtain a working car, pay for home repairs, or something else. Regardless
The dreaded word bankruptcy has carried a severely negative connotation for far too long. The truth is many people end up filing for bankruptcy. Hundreds of thousands of bankruptcies are filed by businesses and individuals each year, so don’t think you’re alone if you’ve had to make this difficult financial decision. An unexpected medical emergency
There are many reasons why credit histories and scores become less than perfect over one’s lifetime. Missing a payment here and there, maxing out credit cards, or having an account find its way to collections status all put a severe ding in your credit report. Getting affordable financing for life’s major expenses is not an
The three major consumer credit bureaus in the United States are Experian, TransUnion, and Equifax. There are several reasons why you might need to contact one of these companies. However, they don’t make it easy to get in touch with someone over the telephone. That’s the main reason we’ve compiled this list of telephone numbers
Owning a piece of land without a developed structure on it can be a smart financial move. Building on the property in the future may lead to your dream home or keeping it in the family to pass down from generation to generation may create your legacy. While owning bare land is an open book
With each new year comes the perfect opportunity to reflect on the progress of your financial life and create actionable goals for the 12 months ahead. While most people focus on saving more money and paying down debt, others place importance on shifting behaviors around money management and increasing their income in an attempt to
It can be devastating to have your loan application denied, but it’s not uncommon. While it may be difficult to accept and adjust in the moment, getting turned down for a loan is a situation where you’re able to make lemonade from lemons – if you know what to do next. Why were you denied