January 13, 2021 Purchasing a car can be rewarding. However, there are essential decisions to consider before you purchase a new or used vehicle. While the price is a critical factor, it is not the only one to keep in mind when buying used and new cars. You have to determine what fits your needs. Many different car models can support your specific needs. Read on to learn about a few top tricks for obtaining the best deal [...]
December 30, 2020 As the year ends, many people look forward to thinking about a New Year’s resolution and planning how to keep it. Research shows that an astounding 80% of people do not ultimately stick with their New Year’s resolution. Most people give up on their New Year’s resolutions by January 17th, as most people have already lost their motivation to keep pursuing their goals. However, a small percentage of people make it through to February, and [...]
December 16, 2020 People associate New Year’s Eve with spectacular firework displays and massive social gatherings. New York’s annual ball drop in Times Square, for instance, usually has over 100,000 attendees. With the world still facing the COVID-19 pandemic, you can expect some changes in NYE traditions, but you can still explore fun ideas for celebrating NYE during COVID-19. How to Celebrate NYE During COVID-19 Across the world, governments are still implementing social distancing measures and enforcing restrictions [...]
December 2, 2020 Since it is impossible to predict how the COVID-19 pandemic will play out, celebrating this year's holiday season may be different from what we're used to. Recent guidelines by the CDC warn that the forthcoming holiday celebrations need to embrace safety steps to minimize the risk of spreading and contracting the virus. Here’s everything you need to know about celebrating this holiday season amidst the COVID-19 pandemic. Why Celebrating Holiday Season This Year Could be [...]
If you’re not familiar with credit scores or just want to know a little bit more about VantageScore®, this article is for you. What is VantageScore®? Created by a joint venture between the big three credit bureaus, Equifax, Experian, and TransUnion, VantageScore® is a credit scoring system developed in 2006. [1] Credit scores can help lenders evaluate credit reports by summarizing the credit risk into a three digit number and, when used in underwriting, can affect the terms [...]
It’s been a long year with the pandemic impacting every aspect of our lives. Millions of Americans have lost their jobs, and sales have reached an all-time low for many businesses. Is it time to cancel holiday shopping? The fear of contracting COVID-19 has kept shoppers out of the stores throughout the spring and summer. However, sales this holiday season are still expected to spike 1-1.5%. So, what does this mean for shoppers and retailers as the holiday [...]
A recent survey found that about a quarter of Americans believe gatherings won’t be safe until 2021. The ongoing pandemic has made many Americans reconsider taking their kids for trick-or-treating this year, and Halloween celebrations may also look unique. Will folks feel comfortable trick-or-treating during the COVID-19 pandemic? Will there be Halloween parties? Only time will tell, but, in the meantime, we’ve compiled some useful tools so you can safely get your spook on in 2020. Clever Tips [...]
This year's back-to-school experience may be significantly different from anything you've experienced in the past. The COVID-19 crisis is not only affecting how schools work, but how children learn – and you need to know how to deal with all the possible changes. Why Back to School is Different This Year This is the time of year when parents start preparing to send their kids back to school. That typically meant buying all sorts of school supplies, from [...]
Credit inquiries are an unavoidable aspect of life in America. They are necessary when you apply for credit cards or loans. You might have to submit a credit application to move into a new apartment or home. The very mention of credit checks can make some people uncomfortable. However, they’re intimidating because there’s a lot of misinformation about them. To know the difference between hard inquiries vs. soft inquiries, review this guide on the two types of credit [...]
While it is certainly possible to live in the United States without needing credit, the reality is that most people will need access to it at some point. Whether it’s renting an apartment or buying a new vehicle, credit is a big part of the American economy and knowing how to build and maintain credit is an important skill. Building credit is critical to receiving the best credit offers. With good credit, you may qualify for more types [...]
