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Understanding Primary vs. Secondary Home Mortgage Options

Understanding the differences between primary and secondary market lenders

A mortgage has become synonymous with home financing, but it’s important to understand there’s not just one type of mortgage. In fact, there are many different lending options at your disposal when it comes time to purchase your home, and

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Posted in Banking, Personal Finance

Why your business might should dump Tiered Rate for Interchange Plus

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There are two prevailing schools of thought when it comes to credit card processing fees. And, chances are that—if your business accepts credit cards—you’re set up under one of these fee structures: Tiered Rate or Interchange Plus. Knowing the difference

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Posted in Business Banking

Five ways to obtain (and keep) a high credit score

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For someone who doesn’t work with credit bureaus every day, figuring out what causes your credit score to move up or down can be a lot like predicting the twist ending of an M. Night Shyamalan movie. Well, back when his

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Posted in Personal Finance

What Microsoft’s sunset of Windows XP means for XP users

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As of April 8th, Microsoft has discontinued support of its Windows XP operating system, a system first introduced more than 12 years ago. This discontinuation of support is commonly referred to as a “sunset” within the technology industry. If you’re a

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Posted in Banking, Technology Assistance

Don’t like your business name? Change it!

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Having second thoughts about the name of your business? I have the solution to your problem. It’s called an Assumed Name or “Doing Business As” Certificate. Most people refer to such a thing simply as a DBA. Help!  I’m a square

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Posted in Banking, Business Banking

How to use a credit card without paying credit card interest rates

There’s something exciting about visiting another city and experiencing a different culture. So, several years ago, I started using a national credit card that rewards me with bonus miles for airline travel when I make purchases. While the bonus miles are a

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Posted in Banking, Personal Finance

“Form”-ing good ACH compliance habits starts with forms

Even though many payments today are made electronically, the initial setup of these transactions usually requires a physical signature on an actual piece of paper. This is especially true for ACH originators, many of whom use ACH transactions to pay their

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Posted in Business Banking