Financial Advice and Tips

Find informative articles on financial advice and tips. Discover what you should know in this section of our blog dedicated to improving your financial literacy and acumen.

Understanding APR


Blog When you are considering taking out a loan, the first thing you may look at is the loan’s Annual Percentage Rate or APR.  When comparing loans of similar size and duration, APR can be a useful tool to determine which loan is right for you. However, APR is not a helpful tool when comparing different types of loans, ie. secured loans vs. unsecured loans, personal loans, home equity loans, etc. AFSA, [...]

Understanding APR2022-11-28T13:26:14+00:00

What Is an Unsecured Loan?


Blog Let’s say a friend wants to borrow some money from you. They are employed, pay their bills on time, and don’t carry a lot of debt. You might feel comfortable loaning them money without asking for any type of collateral. Collateral is something of value your friend would pledge to secure the loan and forfeit if they failed to repay the loan. This example is a good illustration of an unsecured [...]

What Is an Unsecured Loan?2022-11-29T06:46:41+00:00

How to Improve Your Credit Score


Blog Your credit score is an extremely important number that can affect your ability to make a major purchase or investment. The higher your credit score, the better, or more creditworthy you are perceived to be by lenders. This will result in lower interest rates and more purchasing options for you. To learn more about what a credit score is and how it can affect you financially click here. [...]

How to Improve Your Credit Score2022-11-30T12:34:06+00:00

Understanding Your Credit Score


Blog Your credit score is an extremely important number that directly impacts your ability to obtain any sort of credit such as a personal loan, credit card, mortgage, or car loan. Many people may know what their credit score is, but they may not know what exactly that number means and how it affects them financially. What is a credit score? So, what is a credit score? The [...]

Understanding Your Credit Score2022-11-29T06:57:57+00:00

Should I Buy a Boat : Essential Questions When Buying a Boat


Blog Should I buy a boat? Buying a boat might not be as painful as you think. If you are truly interested in purchasing a new or used boat, consider organizing the process into three phases – Planning, Shopping, and Decision. To help you get started, we’ve created a series of essential questions you’ll want to consider throughout the process of boat buying. Phase 1 – The Planning [...]

Should I Buy a Boat : Essential Questions When Buying a Boat2022-11-29T07:01:22+00:00

Loans for debt consolidation-How It May Benefit You


Blog If you are feeling overwhelmed with bills each month, loans for debt consolidation may be the right choice for you. So, what exactly is a debt consolidation loan? A debt consolidation loan combines several loans or liabilities into one loan. The process involves taking out a new loan to pay off other debts. If you are in a financial bind due to large amounts of unpaid debt, [...]

Loans for debt consolidation-How It May Benefit You2022-11-30T11:18:55+00:00

Immediate Steps to Take if your Identity is Stolen


Blog If you have ever been a victim of identity theft, you know how devastating the effects can be. The best way to protect yourself from identity theft is through proactive prevention. Learn how to best protect yourself from identity theft here. However, if you have been affected by identity theft, follow these steps to quickly resolve the issue: […]

Immediate Steps to Take if your Identity is Stolen2022-11-29T12:10:04+00:00

How to Best Protect Yourself from Identity Theft


Blog Today identity theft is so common that the Federal Bureau of Investigation cites it as “America’s fastest growing crime problem.” It occurs when a person obtains personal information such as credit card numbers, Social Security numbers, or bank account information to commit fraud or other crimes.Given the recent information breech at Target stores, where up to 110 million people are suspected to have their identity stolen, identity [...]

How to Best Protect Yourself from Identity Theft2022-11-29T12:42:47+00:00

Insider Tips for Getting the Best Deal on Engagement Rings


Blog Valentine’s Day is right around the corner and love is in the air! Engagement rings are one of the most expensive purchases a person will make in their lifetime, making it extremely important to determine a budget before visiting the jewelry store.  In order to help you stick to your budget, we have talked to experts in the jewelry industry from Reeds Jewelers, Diamond Hut, and [...]

Insider Tips for Getting the Best Deal on Engagement Rings2022-11-29T12:53:30+00:00

Cheap and Easy Super Bowl Party Recipes


Blog Are you hosting a Super Bowl party for the big game? If so, you might be looking for delicious crowd pleasing recipes that won’t bust your budget! The key to hosting a budget friendly Super Bowl party is all in the planning. Planning your menu before you head out to the store Finding coupons for items on sale in your ingredient list Preparing crockpot items like [...]

Cheap and Easy Super Bowl Party Recipes2022-11-29T12:57:33+00:00