APR finder Blog - Page 4 of 23

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 improve one’s financial circumstances. […]

In past years, it seemed as though news of a major company’s data breach was announced every other day. Personal identifying information, including payment details, online preferences, usernames and passwords, and even passport details were all compromised throughout the last twelve months.

As unfortunate as these breakdowns in security are for businesses, they can wreak even more havoc on consumers. Unless you’re off the grid completely, there is no foolproof way to avoid the consequences of a data compromise. […]

Identity (ID) theft is a growing concern for millions of consumers given the way we conduct some if not all of our financial transactions – online, on the phone, or by mail. In a study and recent review conducted by Javelin Strategy & Research, it was found that tens of millions of U.S. consumers experience some degree of identity theft each year alone, equaling billions in fraudulent transactions. […]

For many individuals and families, the Christmas holiday season is bustling with excitement and joy. However, not everyone anticipates the holiday with a heavy dose of enthusiasm. Christmas can represent a time of too much planning, too much shopping, short-lived decorating, and obligatory entertaining, which add up to a hefty expense. […]

Finding the perfect deal for your ideal ride takes equal parts patience and research skills, not to mention the ability to secure the financing that best fits your budget. Once a new or used car is found, however, there is a chance that your due diligence before the purchase was all in vain. […]

Owning a business, whether it is in the startup phase or it has been in operation for years, requires business owners to wear a variety of hats, not the least of which is that of an accountant or bookkeeper.

Understanding the financial footing of a company large or small is crucial to the ongoing success of a business, given that nearly all companies face a need for financing at some point in the business lifecycle. […]

Accessing your credit report from each of the three major credit bureaus is a reasonably easy process when you utilize the free Annual Credit Report website, but that won’t include your credit scores. Luckily you can also request access to your credit scores through alternative sites for free. Some of which also display your full credit report information. […]

A (preapproved / prescreened) offer is an insurance, credit card, home mortgage loan or another firm credit offer that arrives on paper by postal mail. It usually congratulates the receiver and implies the offer has already been approved for them. This can be of great benefit to someone interested in applying for new credit; however, unsolicited offers can be a major nuisance too. […]

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 as 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 good business credit, businesses should take the time to review their credit history report and score regularly. […]

For most consumers, buying a piece of property to call their own is an expensive endeavor. Prospective homeowners must have some financial footing in the game, and this typically comes in the form of a down payment toward the purchase price of a home. […]