Tag: Articles

As soon as snow starts to fall, it seems people suddenly forget how to drive in a reasonable manner. So, we have pointers for avoiding costly accidents in the winter. Proper Preparation Check the weather and your route before a trip. Give yourself plenty of time so you can drive slowly and arrive safely. Tell others an estimated time of arrival. That way, if you do get stuck, people will know where to look. Make sure your tires are properly inflated and that they have sufficient tread to handle icy roads. Cold weather can reduce pressure and increase the risk…

With all the spending taking place over the holidays, many look for ways to earn extra money. Luckily, it’s also a time when employers need individuals to fill temporary positions dealing with the influx of shoppers and shipments. Here are some seasonal jobs you can find almost anywhere in the country. Warehouse Worker Warehouse facilities are full of electronics, furniture, clothing, toys, jewelry and so much more. During the busy months, they need people to perform lots of tasks, including forklift drivers to stock the shelves, pickers to find items, and packers to fill boxes. Additional workers load trucks at…

It's Black Friday! And even if you're reading this article after the sun has come up, here are some tips on how to save some cash on one of the biggest shopping days of the year without sacrificing your well-being. Have a plan If you haven't already done so, set your budget and decide which items are most important as well as which ones are likely to go quickly. Map out your route to minimize wasted travel time. Then, after that, make a backup plan. There may be a few times when the deal you want won't be available. If…

If you apply for a loan or an insurance policy, your documents must be reviewed by an underwriter. But what functions does the underwriter perform? How do they fit in the process? The backstory The word underwrite simply means signing under or below something. In the early days of banking, underwriters would place their names below the amount of risk they were willing to tolerate, in exchange for a premium. If anything went wrong, the underwriter would have to answer for it. Underwriting now Today, underwriters are trained on all lending guidelines & procedures. They assess loan risk and determine…

Veterans Day is when we as a country honor the brave men and women who fight for & protect the nation. Many businesses recognize those in the military with discounts. Below are some deals service members, past and present, can receive on Veterans Day. Some require purchases, while others ask for identification or are dine-in only. Be sure to check the merchant's official sites or call ahead for details, as these are subject to change and may apply to different days. For example, this year, Veterans Day falls on November 11, but will be observed on November 12. Applebee's -…

Setting a sale price for your vehicle is like fishing. If it's too high, you won't get any bites from prospective buyers. If what you're asking is too low, you won't get the full value of your investment. Here's some advice for when you put your car, truck or SUV on the market. Assess the Value It's important to check how much it's worth online, because you can bet those thinking about taking it off your hands will do the same. Valuation sites like Kelley Blue Book® use an extensive database to evaluate factors such as recent vehicle transactions in…

Horror films aren't just good for scares, they can also teach valuable financial lessons. Here are eight pieces of wisdom you can take from iconic Halloween movies. A Nightmare on Elm Street The Story: Freddy Krueger (Robert Englund) stalks the dreams of Nancy Thompson (Heather Langenkamp) and other teenagers in a quiet suburban town. The Lesson: Dreaming is fun & healthy, but you need to keep your feet grounded in reality—otherwise you could get hurt. Develop a sense for what you can and can't afford. Don't buy what isn't necessary or max out your credit on impulse items (like cool…

It was a dark and stormy night. A young woman approached the ATM aside a dimly lit sidewalk to withdraw some cash. As she neared the machine, she heard a faint rustling behind a bush. She squinted her eyes and peered through the leaves, where she thought she could make out a large, dark shadow. She felt uneasy, so she walked back to her car and drove to another ATM with better lighting, making a transaction there without a problem. If you want to avoid potentially scary situations at ATMs, here are some tips stay safe. KEEP YOUR EYES OPEN…

You can refinance just about any loan, but doing so with a mortgage requires careful consideration. After all, paying off your existing home loan and replacing it could save you thousands. On the other hand, it could lead to foreclosure. Here are some reasons why people make this choice, along their related pros and cons. Lower rates & better terms The most common thinking behind refinancing is to get lower interest rates. However, if it's only a marginal decrease, it's likely not worth the switch. There are several expenses that go along with the process, including appraisals, processing, and application…