Looking for ways to improve an unfavorable credit score? Look no further! Our handy guide will help you get on the road to improving your score. Do: Determine your actual credit score. If a recent credit application of yours has been denied, find out why. Each of the three major credit reporting agencies are required…
It can be difficult to find something everyone enjoys doing. Uncle Phil wants to watch the football game, while Aunt Linda wants to decorate cookies. You’re trying to keep peace without making family time feel like a chore. What can you do to keep everyone happily spending time together without running up a huge credit…
Most people have a checklist they go through before they leave the house. Is the stove turned off? Are the doors locked? Do I have my wallet, my keys and my cellphone? The only thing that has changed about that process in the last few years has been the addition of that last item on…
With Thanksgiving already in the past, holiday shopping is on the minds of many. You might have gotten off to a solid start but have a few people left on your list that have you stumped when it comes to deciding what to get them. One of the simplest ways to check them off as…
Was there a credit union at the first Thanksgiving? The short answer is no, there was not. The first Thanksgiving occurred in 1621, which was 150 years before the creation of the first credit unions. In fact, the first modern financial institutions wouldn’t reach the country of the Pilgrims’ origin until the middle of the…
Every potential home buyer dreams of the day they’ll finally get the symbol of independence, security and prosperity: the key to the front door of their new home. Before you get that one, though, there’s another key you need to craft. Your credit score, a numerical representation of your credit history as an indicator of…
The holiday shopping season is in full swing. The malls are packed with eager shoppers. Offers and promotions are coming from clothing stores, electronics retailers and other shopping sites. They’re probably flooding your inbox, and your physical mailbox is getting overloaded with catalogs from shops you haven’t bought anything from in years, if ever. If…
If you’re up to your eyeballs in debt, the one thing you may wish for more than anything else is a blank slate. If you had a chance to wipe your slate clean and start over, things would be different. Of course, barring a winning lottery ticket, nothing is going to make that much of…
If you read financial headlines, you’ve no doubt seen the news that the Federal Reserve is raising interest rates. These headlines can be accompanied with all sorts of hyperbole about the end of the stock market, the boom of bonds or any of a dozen other possible predictions. It’s easy to get overwhelmed when there’s…
Most people own at least one debit card and at least one credit card. They know they have them, but they may not know about all the differences that exist between using a credit card and a debit card. Believe it or not, there are many. The most basic difference is the fact that each…
Unexpected expenses, by nature, can come out of nowhere. Your check engine light comes on, and your car demands you put another thousand dollars into keeping it on the road. That cough that just won’t go away turns out to be more serious than you thought. Your air conditioner gives up during the longest heatwave…
Have you ever wondered about the real differences between your savings and checking accounts? Many people realize there must be more to it than just the fact that one includes checks and the other does not. However, they just don’t know what those differences are. So let’s look at some of the technical differences that…
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