Best day of my student life

Building Credit: A Primer for College Students or Recent Grads

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Building a good credit history can seem like a daunting task, but if you begin while you are in college it really isn’t difficult. Set yourself up for future success by taking small steps now that will help you be ready for the “real world” post-graduation. Establishing credit doesn’t mean that you will immediately go down a rabbit hole of debt. That type of situation is completely avoidable with a little basic education and the right mindset. Why Should I Care About My Credit Score? Most people are aware that their credit score affects their ability to secure a mortgage...
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Store Credit Cards vs Branded Credit Cards: The Facts You Need to Make the Right Decisions

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“Would you like to receive an additional 20% off today?” If you’ve ever shopped at a retailer with an in-house credit card this is a familiar refrain. The smiling cashier informs you that if you open a credit account you can receive an amazing discount off your purchases that day. It’s an enticing offer, especially if you are making a high dollar purchase. How do you decide if opening a new credit line is worth the immediate discount? Understanding the benefits and detriments of different types of credit cards will make you a savvy consumer. Foremost, please realize that any...
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Close up shot of entering credit card number to make a purchase online

Protect Yourself from Scams

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We see it in the news every week – some unsuspecting grandmother tries to withdraw money from an imposter ATM, and instead of getting cash, she loses her life savings as scammers clean out her bank account. “That would never happen to me!” you think – until you become the victim of a “faceless” crime. You won’t even know it is happening until it’s too late. As technology becomes more sophisticated, so do the schemes of those who seek to steal your hard earned savings. A little awareness now can save you a whole lot of time, money and aggravation...
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