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What a Car Loan Costs¶
(Idea Vault Blog) - When shopping for a car, it's usually best to start by shopping for a car loan. When you’re shopping for a car loan, remember that what it costs you to borrow depends on three things: The finance charge, expressed as an annual percentage rate (APR)The term, or length of time the…
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Getting a Car¶
(Idea Vault Blog) - When looking for a new car, you have three main options: buy used, buy new, or lease. There are pros and cons to each method. Your choice will be based on various financial considerations, driving habits, and personal preference.
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Credit Scores¶
(Idea Vault Blog) - A credit score is a number that potential lenders will use to determine whether they should lend you money, how much, and at what interest rate. Your credit score, also called a FICO score, is an actual number, between 300 and 850. The higher the number, the better: a score of…
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Interest¶
(Idea Vault Blog) - Interest plays a role in almost all aspects of personal finance, including savings, investing, credit, and loans. Interest is money that's added to your starting balance. It can be earned or paid and is typically expressed as a percentage. You earn interest by keeping money in a…
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Using Credit¶
(Idea Vault Blog) - Borrowing money makes it possible to afford things that you couldn’t otherwise, but make sure you understand what you’re signing up for to avoid falling into overwhelming debt.
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Health Savings Accounts¶
(Idea Vault Blog) - With a health savings account (HSA), you can set aside pretax income to pay for current or future health care, including deductibles, copayments, and any qualified medical expenses such as dental bills and prescription drugs. Any withdrawals you make from the HSA to cover these…
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Repaying Student Loans¶
(Idea Vault Blog) - More than half of all college graduates have used student loans to pay tuition and other costs. So if the lingering bill for your education makes you nervous, know that you're not alone in facing student debt and there are options that can make repayment easier. If the money you…
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American Riviera Bank Reports 20% Core Loan Growth¶
(Michelle Martinich) - Santa Barbara, California (October 25, 2021) – American Riviera Bank (OTCQX: ARBV) announced today unaudited net income of $9,082,000 ($1.77 per share) for the nine months ended September 30, 2021. This represents an 82% increase in net income from the $5,000,000 ($0.99 per…
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Debit Cards: A College Student's Best Bet¶
() - Debit cards are one of the most common forms of payment. In fact, according to Bankrate, 63% of people between 18 and 29 don’t bother with cash, checks, or a credit card, preferring to use their debit cards. When you use a debit card, the amount of the payment is debited, or subtracted from,…
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College Budget Breakdown¶
(Idea Vault Blog) - Most people ask, "How much does college cost?"—that’s the first mistake. It’s not to say this question isn’t answerable, but grouping college into one huge expense can be a little deceiving. The cost of a degree is so much more than a singular bill—especially if you factor in qu…
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