Dollars & Sense Blog
Want more detailed information on loans, renting vs. buying, credit scores, or finances? Check out our blog!
Adding a room, renovating a basement, or doing some much-needed repairs around your home can be a big undertaking. Finding a trustworthy contractor is an important first step. Scammers will promise to do the work, but leave you and your home worse off than when you started. They may do shoddy work, damage your home, overcharge you, or just take your money without performing any services. So how do you tell the difference between a trustworthy contractor and a scammer? Before you hire a contractor, learn how to recognize the signs of a home improvement scam.
John’s Perspective – Community Banking and Building Relationships
Tera's Perspective – Be an Advocate
Your credit score is a three-digit number that plays an important role in qualifying you for everything from loans and credit cards to apartment rentals and some insurance policies. It usually falls between 300 and 850 (a higher number is better) and its calculation has a lot to do with the five factors explained below.
It’s commonly understood that your password is your first and typically best line of defense for private data and information. Yet, reports show that more than 2 in 3 people reuse the same passwords across multiple accounts – one of the biggest “no-no’s” in the book!
When applying for most loans, lenders will be sure to focus on your credit score – a three-digit number that plays an important role in qualifying you for loans, credit cards, apartment rentals, and more. However, your focus should be placed on something else instead: your credit payment history.
As the summer comes to an end and back-to-school shopping has got you strapped for cash, Heartland Bank has a few ideas for how you can save money this fall.
Miranda's Perspective – Continuous Learning and Initiative