Author Archives: Billy

Saving Money As Gas Prices Hike

As Spring and Summer months approach it’s not uncommon for gas prices to start marching upward. But this year, due to Middle East unrest and reduced oil drilling in the Gulf, that march has turned into a mad dash. According to AAA’s Daily Fuel Gauge Report1, gas prices have climbed from about $3.07 a gallon for Regular on January 1, to presently $3.553 for Regular. That is a $.48 jump with the majority of the spike happening over the last 3 weeks…

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Credit Score Part 2: Your Payment History

Building or rebuilding your credit score can be difficult, especially when you’re not well-informed. That’s why I’m going to tell you the most effective way to build or rebuild your credit score, which is undoubtedly understanding and improving your payment history.

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Credit Score Part 1: The Amount You Owe

Your credit score can make or break you, but you don’t want to let it break you. I’m here to show you how your credit score is put together and how you can improve your credit. Today I’m going to show you your FICO credit score, and how the amount you owe plays into determining your credit score. This is just one of the ways that Credit Bureaus are going to actually compute your credit score.

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Traveling Tips

When I’m on vacation the last thing I want to worry about is my finances. You might find it interesting to know that most Banks and credit card issuers monitor your debit and credit card activity – not to see where you are spending your money – but to see if any of your transactions are out of the ordinary. So if you live in Washington, DC and there’s a transaction from a store in San Francisco, you might get a call.

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Preparing Your Rainy Day Fund

Obviously you don’t want to be stuck in a situation where you’re in between jobs or maybe you need two new tires for your car or an unexpected medical bill pops up… but hey, stuff happens. That’s why it’s important to have an emergency fund, or what I like to call a “Rainy Day Fund.”

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Unnecessary Banking Fees

There’s a four letter word I’d like to talk about. Don’t worry, it’s not one of those four letter words… but it has become derogatory over the last few years… the word is fees. Listen and find out why, when it comes to bank fees, airbanking doesn’t find deceitful ways to hide fees like some banks, we keep your banking experience transparent.

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Pressing Credit Or Debit?


You’re standing in front of the cashier and you swipe your debit card. When it prompts you to select ‘Debit’ or ‘Credit’ which do you normally choose? View our video blog and learn the differences between pressing credit and debit when you swipe your debit card.

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Fraud Prevention

Fraud happens every day. Hopefully not to you, but it’s happening all around. Fraudsters are constantly developing new scams. Scary, I know. But that’s what this blog is all about… how to prevent fraud. This is good information to know if you want to ensure your financial and private information is secure. Even if you know the dos and don’ts, it never hurts to have a refresher…

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Banking Terms You May Find Useful

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The following are some general terms and definitions that can be used to help you better understand your personal finances.*
 

APY: (Annual Percentage Yield) Denotes the total interest that could be earned if the funds remained in the account for a year. Most commonly used on savings accounts, CDs, and other interest bearing accounts. Does not require deposits to remain in account for a year to accrue interest (financial institutions may calculate earnings monthly, quarterly, etc.)… ATM: (Automated Teller Machine) Accessed with use of your financial providers debit or credit card…

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What Is A Credit Score?

You don’t want to live on your mom’s couch for the rest of your life, so you’ll need to get a good credit score to get a place of your own. It’s time to buckle down and begin building your credit so you don’t have to rely on your mom’s. A good credit score can help you get the keys to your apartment, your next car and, in the long-run, your dream home. Your bank, a department store or even a landlord check your credit score to determine whether you are fiscally responsible to borrow money or pay your rent. The higher the credit score the more “credit worthy” you are deemed. A good score can result in a lower interest rate on a car loan, a mortgage or a sweet apartment…

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