Intuition and common sense can let you down big time if you use them to make credit decisions. Consumer credit expert John Ulzheimer says the secret is to understand the factors behind your credit score and use those to guide decisions. Here are five perfectly reasonable-sounding credit moves that can come back to bite you — and what to do … Continue reading
In today’s connected world, everyone benefits from cyber security awareness. A cybersecurity attack can result in everything from identity theft, to extortion attempts, to the loss of important data like family photos. That’s why it’s important to keep up to date with online safety. The National Cyber Security Alliance has a large resource library of relevant topics to make sure … Continue reading
Your monthly car payment is not only a ticket to freedom, letting you enjoy summer road trips, but also a lifeline that gets the kids to school and you to work. But if it consumes too much of your budget, your ticket to ride could turn into a ticket to financial trouble. More than 7 million Americans were “seriously delinquent,” … Continue reading
The start of hurricane season is a reminder that in any disaster, your credit may be as much at risk as your property.If a disaster leads to a missed payment or credit card balances zooming up, your credit score could drop — just when you need to borrow money. Planning ahead not only positions you to recover; it also helps … Continue reading
Webster’s New World dictionary defines budget as: “a plan or schedule adjusting expenses during a certain period to the estimated or fixed income for that period.” If that doesn’t sound fun, I don’t know what does. (I’m kidding. It sounds terrible.) By definition alone, budgeting sounds like a chore. So it’s no surprise that many people hear the word “budget” … Continue reading
Point West strives to be a Point of Opportunity for all of its members. In a tight rental market, we know how expensive finding and moving into a new rental home can be. Security deposits alone can be thousands of dollars, and even if you get part of your previous deposit back, it can take weeks or months to receive. … Continue reading
You may have been avoiding the world of credit because you don’t want one more thing to worry about. But it doesn’t have to be complicated. Taking these baby steps can help you build a good credit score. Know where you stand You may be surprised to know you already have a credit score or that you have items listed … Continue reading
Marie Kondo has inspired countless people to wipe out clutter. Her KonMari organizing method, popularized by her book and Netflix series, lays out how to get more joy from your life and possessions. This approach can extend to your money, too. Applying her mindset can reduce the financial clutter in your life and help you make a better plan for … Continue reading
The eZCardInfo site will be taken offline starting at 7:30 p.m. PST on Friday, May 17, 2019 for scheduled maintenance. The site will be brought back online at approximately 5:00 a.m. PST on Monday, May 20. Please process any payments and other time sensitive actions prior to the downtime. Thank you for your understanding and please reach out to us if … Continue reading
In the world of online shopping, often buyers will purchase an item only after they see that other people also like it. And the easiest way to find out consumer sentiment? You guessed it: reviews. Many online purchases are based on careful consideration of star ratings and product reviews left by complete strangers. Some 82% of U.S. adults say they at … Continue reading
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