Credit Card Interest Rates and What They Mean for You

When you’re shopping for a credit card, one of the most important considerations is the interest rate on the card. Whether you choose a VISA, MasterCard, Discover Card, department store card, or any other kind of credit card, you will have to pay interest on any unpaid balances. How much interest you pay depends on various factors.

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Why Do Interest Rates Rise and What Does That Mean for You?

If you have ever bought a house, signed for a loan, applied for a credit card, or opened a savings account, then you have some idea what interest rates are. When interest rates go up, credit becomes more expensive and you have to pay a higher percentage rate for a loan or credit card. At the same time, higher interest rates also mean you make more money from your savings or investments. But what drives interest rates up or down?

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Your Quick Guide to Home Ownership

You’ve been out of college for a few years and you finally have enough money saved for a down payment. Are you ready to buy a house? Purchasing a home is one of the biggest purchases you’ll ever make, if not the biggest. High-involvement purchases require a lot of prep work and research prior to, and a decent amount of upkeep following. Here is our quick guide to home ownership to help get you on the right path.

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4 Things You Need to Know Before Applying for a Mortgage Loan

You know the saying, “Good things come for those who wait?” We’re pretty sure the person who said that was looking to buy a house. Whether you’re a first-time homebuyer or an experienced house-hopping veteran, buying a house comes with a lot of questions and decision making. With so many options on the market, how do you possibly decide? Well, here’s where you can start.

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Rent vs. Buy

Shopping for your first humble abode is one of life’s biggest milestones. It’s also one for your savings account! You’re finally on your own, with no parents, no dorm advisorsmaybe just one or two roommates to split the cost and binge watch Westworld with. But with great power comes great responsibilityat least according to Spider-Man’s uncle. The big question: rent vs. buy? The matter of buying versus renting crosses every shopper’s mind. Renting an apartment is usually the next step after leaving the dorms because certain things are still taken care of by the complex. Broken water pipe? The building will fix it. Fridge making weird noises? Maintenance will be in to take a look at it.

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How to Buy a Car Without Draining Your Savings Account

Buying a car in the Pacific Northwest has never been easier to do yourself. Whether it’s an upgrade or a first-time purchase, we have the need-to-know info to make your shopping experience as simple as possible. Hopefully, by following these five steps, you can shift gears into that peaceful PNW state of mind without coming across too many speed bumps.

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3 Things You Should Know About Your Banking Account

Can you remember the first time you opened a bank account? Seems like forever ago, right? It’s such an everyday occurrence that sometimes people forget what a bank account actually entails. What are the pros? Are there any cons? What are the need-to-know bits and pieces of opening a bank account? In this article, we’ll explore the types of questions you should ask.

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Tips to Paying Off Student Loans Faster

If there’s one thing we can all agree on, it’s that paying off student loans isn’t fun. The process may evoke a mix of unfavorable emotions—but that’s where we come in. Let this blog take on the form of meditation, a hot bath, heck, even online shopping if that’s how you blow off steam. There is a faster and more convenient way to pay off student loans, and here are some tips for doing it.

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7 Things You Might Not Know About Credit Unions Versus Banks

It’s the ultimate showdown—credit unions versus banks!  Like in the classic battle of blondes versus brunettes, which financial institution ultimately has more fun? If only it were that simple. Comparing a credit unions vs. bank is a little like comparing apples to oranges. Each has its own strengths as well as areas in need of improvement, and the right choice for you will depend a lot on your lifestyle and banking preferences. Before we delve into the fun facts behind credit unions, let’s consider the question, What exactly is a credit union?

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4 Reasons You Should Start Building Credit Now

Credit. Generation X, millennials, and baby boomers alike hear that word a lot these days. From apartment hunting to everyday banking, building credit—and maintaining a good score—is a necessity for proper adulting. But just because credit is talked about so much doesn’t mean everybody fully understands it. Speaking from personal experience, I learned about the importance of credit much too late when I moved to Portland and was basically turned away from every apartment complex until my “adult” boyfriend saved the day with his good score. A lack of credit almost made me homeless.

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