Dollars & Sense

December 5, 2018
What is Identity Theft, and How to Prevent It premium

Identity Theft is a rising problem in the United States. It is defined as the unauthorized use of an individual’s personal information, in order to commit fraud or criminal acts. Common information that is targeted by identity thieves includes names, social security numbers, drivers’ license numbers, and other unique identifying information. In 2017, almost 15 […]

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Guest Author
November 29, 2018
9 Ways to Build Your Emergency Fund premium

You may already know that Baby Step 1 is saving $1,000 for a starter emergency fund. It might seem daunting to save up that much money, but you can do it! Even if you've never held $1,000 cash in your hands before, there are plenty of ways to quickly earn the money. Then you can […]

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Kasasa
November 7, 2018
5 Highly Effective Ways to Improve Your Credit Before Getting a Loan premium

Your credit score is the most important factor in determining the interest rate you receive on a loan. Taking the time to make sure your score is as high as possible can help save you a lot of money. Even just one half of a percent difference in the interest rate could save you thousands […]

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Guest Author
November 1, 2018
7 Things to Know about Saving for a Down Payment on a Home premium

Unless you are able to obtain a VA loan, you are probably going to need a down payment if you are planning on purchasing a home. Down payment minimum requirements can range from a VA loan’s zero, to 10 percent or more. The FHA has a first-time homeowners program that will allow you to put […]

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Guest Author
November 1, 2018
Business vs. Personal Checks: What Entrepreneurs Should Know premium

A personal checking account is often the first introduction to the world of finance. It's quick, easy, and a great way to track expenses. With the face of the check covered with images of sports, puppies, landscapes, or graffiti, a personal check is also a statement of individuality and one more fun way to make […]

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Guest Author
October 30, 2018
6 Repayment Tips to Get Out of Debt premium

Debt, or consumer debt, is what you owe based on the money you borrowed from a credit union, bank, the federal government, or other lending entity. There are two types: Revolving Debt– The most common example is a credit card. You have an amount (or limit) that you can borrow up to. When you pay […]

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Guest Author
October 5, 2018
Should You Ever Get A Title Loan? premium

Title loans are an easy way to get fast money. In most cases, you get to do the paperwork online, and you receive the amount you need in one business day. As you secure the loan with your car or motorcycle, you don’t need a good credit score. As long as you have a job […]

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Guest Author
October 4, 2018
How To Get A Car Loan With Bad Credit premium

This just in… not everyone has perfect credit. As non-revelatory as this is, the auto industry still favors those who… well… do. Whatever your circumstances — whether you’re just starting to establish credit of your own or you tripped somewhere along the way and are looking to get back on the good side of the […]

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Jaclyn Eickenhorst
September 27, 2018
How (And Why) To Refinance Your Auto Loan premium

What does every sixteen-year-old want for their birthday? A car.  Heck, who doesn't savor that new car smell? Unfortunately, that excitement can cause us to enter some pretty bad deals. If that happened to you, worry not, you can always refinance your auto loan. In this guide, we'll walk you through the reasons to refinance, […]

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Andrew Swinney
August 17, 2018
Financial Calculators For Every Occasion premium

When I was in school, nothing made my day quite like the teacher saying that we could use a calculator on the test. Not only was it easier, but it usually upped my odds of getting the right answer. When it comes to my finances, I definitely don't want to get the wrong answer. So, […]

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Andrew Swinney