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Auto Loan Glossary: Know These Before You Go To the Dealership

Posted in Buying a Car
February 16th 2017 by
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Knowledge is power when it comes to car shopping. Read over these terms before you head to the lot: APR This is short for Annual Percentage Rate. It’s the percentage you have to pay each year for financing your vehicle. The APR you get for your loan depends on your individual creditworthiness. Balloon Payment A loan with a balloon payment will give you manageable monthly payments with one large payment, the balloon payment, at the end of the loan. Black Book This refers to information about a vehicle based on data from wholesale car auctions. Blue Book Blue Book is…

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7 Common Mistakes When Filing Taxes

Posted in Taxes
February 15th 2017 by
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Many Americans are eager to get through their taxes each year in order to get their refund. But mistakes on your tax return can delay your refund and cause unnecessary stress. Below are common mistakes the IRS sees every year: 1. Wrong Social Security Number A mistype or misprint of your or your dependent’s Social Security number makes things complicated. If you’re breezing through your return, it’s easy to overlook something you feel like you’d never mess up. You’d be surprised how often the IRS needs to deal with this issue. 2. Filing Status Incorrect You can only pick one…

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Best Times to Buy 2017

February 14th 2017 by
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When you’re mulling over a major purchase, the right price can often tip the scales. If you’re patient, willing to research and time your buys just right, you can save quite a bit of green. Here are the best things to buy during each month of the year! February: Prepare for winter Now’s a great time to take stock of your existing cold weather gear. If you’ve got a coat that’s seen its final winter, now’s a great time to replace it. Retailers are looking to clear out the last of the season’s merchandise to make room for spring clothes,…

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Rising Interest Rates: What Do They Mean For You?

February 9th 2017 by
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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 this much information and so much of it is conflicting. Let’s set the record straight on what rising prime interest rates mean for you. The prime interest rate is the rate that the Federal Reserve charges financial institutions to borrow from it. It influences a…

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Beware Unsolicited Help: Trouble With Tech Support Scams

Posted in Security/Scams
February 8th 2017 by
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“Any sufficiently advanced technology is indistinguishable from magic,” wrote noted science fiction author Arthur C. Clarke. Our computer technology is certainly advanced enough that, to many, it looks like magic. As a result, the kind of wizardry that those with technical savvy can perform can be simply baffling. That confusion is exactly what some scammers have come to rely on for making their money. The Federal Trade Commission is warning about a range of scams featuring phony tech support. From fake phone numbers to malware-loaded scanning software, these schemes all have one goal: compromise your technology to steal personal information…

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