Lower Your Auto Payments For FREE With rateGenius

Our goal is to save you money on your auto payments. Our streamlined and FREE process makes it easy for customers to enjoy savings within 48 hours. That’s right–we don’t charge you for our services. We walk you through the process to make refinancing your auto loan easy. Watch our video below to see how it works!

Visit our Facebook to see why our customers are happy with us.

Apply here

 

What are other customers saying?

Sheldon says, “RateGenius got my interest rate down from 21 percent to 5.99 percent on my 2011 Infiniti M37x. They also saved me a total 13,000 on my car loan. I highly recommend them to all people looking to refinance their car.”

Patricia says, “RateGenius stands behind their name. They gave me a wonderful rate and reduced my monthly payments. Thank you for all your help.”

Brenda says, “…when I reached out to RateGenius, they were a blessing in my life. The staff was very friendly, great customer service, follow up was exceptional. The process was smooth & this company really cares about people. I have shared the experience with family & co-workers.”

Michael says, “I applied and it was almost too easy. I lowered my interest rate, length of contract and my payment in one easy step. Thank you RateGenius.”

 

 

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6 Discount Retail Sites For Your Holiday Shopping

Personally, I love to shop online. Part of my reasoning is from a convenience standpoint. The other part is because of the savings I can find online. The holidays are fast approaching. We’ve seen holiday ads since early October. I’ve seen Christmas stuff in Target since September. Whether you are looking for gifts or want to treat yourself to a little shopping, here are six awesome discount retail sites.

For even more savings, shop online during Cyber Monday. We all know of Black Friday, but don’t forget about Cyber Monday. Cyber Monday is when retail websites host the equivalent to Black Friday. Yes, there will be online deals on Black Friday, but a lot of sites have even bigger deals on Cyber Monday. Some deal tracking websites give a listing of what deals to expect this year on Cyber Monday. Check it out here.

Leave us a comment below about which site you prefer or if you’ve bought from any of these websites.

6pm.com

6pm.com offers discounted offers on anything from clothing to shoes to accessories. They cater to kids, juniors, women and men. I love 6pm.com for two reasons: The variety of name brand offerings at great rates, plus the FREE shipping on all orders. I do a lot of online shopping, so I love websites offering free shipping. I’ve ordered a few things from this website and have gotten my order within 4-5 business days.

6pm

Nordstrom Rack

Most fashion-forward shoppers have heard of Nordstrom. The popular retail store is typically associated with higher-end fashion. Their sister store, Nordstrom Rack, offers higher-end brands at a discounted rate. For example, some Hudson or Joe’s jeans usually priced about $130-$170 would retail for around $80 or less at Nordstrom Rack. They offer designer brands at up to 70% off.  You can buy clothing and accessories at Nordstrom Rack.

nordstrom

Wayfair.com

If you’re looking for discounted home goods, Wayfair.com is your place! They offer anything for your home. Need kitchen utensils? They have it. Need furniture or home goods  for any part of your home? Yup, they’ve got that.  Need décor? I think you’ll like what Wayfair can offer. They.Have.Everything!

wayfair

 

GILT

Welcome to online flash sales! You can find clothing, home goods, travel and beauty deals. GILT operates a little differently than traditional online retail sites, because you have to sign up to be a member in order to get the deals. Although GILT is associated with the higher end fashion and goods—like Jimmy Choo, Miu Miu, Tom Ford, etc.—don’t let that scare you away from the deals they can offer. GILT offers more affordable sales for most consumers. I’m talking the $10-$100 price range. The flash sales happen every day at 12p/E. GILT likes to refer to the pricing as “insider pricing”. They do a good job.

gilt

 

Overstock.com

This is one of the more popular discount retail sites. They offer health & beauty, electronics, home goods, clothing and everything in-between. Overstock will also give you 10% off your first order by signing up for their email.

overstock

nomorerack.com

Self described as “the online shopping destination for those who want quality brand named apparel and accessories for 50-80% off retail! We offer an incredible variety of amazing authentic designer merchandise, fantastic products and cool trendy items through exciting short term daily deals.”  I’ve never shopped on their website, but I have heard of them before.

nomorerack

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Our Special Olympics Over The Edge Experience

This gallery contains 9 photos.

rateGenius was a part of the fundraising campaign this year for the Special Olympics. We had so much fun supporting the Texas Special Olympics. As part of the fundraising, Gene and Jason got the opportunity to rappel down the side … Continue reading

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12 Budget Friendly Halloween Costumes

Halloween is the fastest growing holiday in America. According to the National Retail Federation, Americans will spend $7.4 billion on Halloween, which is up 5.87 percent from last year. A survey from the International Council of Shopping found American households will spend an average of $125 on Halloween this year. The average person will spend $77.52—up from $75.03. One in five households plan to spend more on Halloween.

No need to break the bank to have an awesome costume. Besides, making your own costume will help you avoid looking the exact same as that other person you run into. Happy Halloween!

Mummy

RedTedArt.com

RedTedArt.com

 

 

 

 

 

 

 

 

Bag of Jelly Beans

Pinterest

Pinterest

 

 

 

 

 

 

 

 

Velma & Shaggy

PopSugar.com

PopSugar.com

 

 

 

 

 

 

 

 

Error Code

Zazzle.com

Zazzle.com

 

 

 

 

 

 

 

Jelly Fish

kineticbaltimore.com

kineticbaltimore.com

 

 

 

 

 

 

 

 

 

Social Media

examiner.com

examiner.com

 

 

 

 

 

Grumpy Cat

mymodernmet.com

mymodernmet.com

Christmas

creatingreallyawesomefreethings.com

creatingreallyawesomefreethings.com

 

 

 

 

 

 

 

 

Bank Robber

family.disney.com

family.disney.com

 

 

 

 

 

 

 

 

Chick Magnet

hauntedhillsboro.com

hauntedhillsboro.com

 

 

 

 

 

 

 

 

Scare Crow

Pinterest

Pinterest

 

 

 

 

 

 

 

 

 

50 Shades of Grey

bitsandpieces.com

bitsandpieces.com

 

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Why You Need Pet Insurance

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What is Pet Insurance?
Pet insurance pays, partly or in total, for treatment of the insured person’s pet. Some policies will pay out when the pet dies, or if it is lost or stolen. Life happens. Pet insurance can put your mind at ease. The best part is you can use your own vet.

Your veterinary pet insurance premium will depend on a few factors: age of pet, breed, level of coverage you pick and your geographic area.

What’s covered?
Pet insurance coverage can run anywhere from health to accidents to behavioral issues.

Typically, for pet health insurance there’s nose to tail coverage. Things like skin allergies, cancer, oral issues, heart problems and more. You will need to talk to your provider to obtain a list of what is exactly covered. Some plans offer wellness, which means they cover check-ups and vaccinations.

For specifics on insurance coverage for a lost or stolen pet, the insurance provider will be able to list details.

Common Myths

Pet insurance is expensive: Price varies depending on the plan you get. Less expensive typically means less coverage. Choose a coverage plan that is right for your pet and you.

Pet insurance is only for sickly pets: False. Pet insurance can offer coverage for health, wellness, accidents, lost, stolen or pets with behavioral issues.

Old pets & pets with health conditions can’t get insurance: There are plenty of providers out there that cover pets regardless of age or medical conditions.

Before choosing an insurance provider, review carriers. Petinsurancereview.com is a great resource to answer questions and review ratings about specific providers and has informational articles.

Do you have pet insurance? Let us know what you think of it.

This week’s blog is brought to you by our rateGenius insurance agency. Our insurance agency will compare your current coverage to other providers to find you the best rate for the same coverage. 1 855 339 9315.

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Watch Filiberto’s story of success with us: 19% down to 3%

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4 Financial Tips to Ignore

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Solicited or not, friends and family love to offer financial advice. We’ve compiled a few of the most common financial tips others give that may not be the best advice to listen to. Have you ever received bad financial advice? Leave us a comment and tell us about it.

Close Your Credit Cards-There’s a myth that closing your credit cards will help boost your credit score. This isn’t true. Closing your credit cards will have a slight negative impact on your credit score, because part of your credit score is your credit history. Keeping cards open helps establish credit history, which boosts credit scores. Credit history accounts for 15 percent of your credit score.

Rent vs. Own-You typically hear owning a home is a good investment. However, everyone’s lifestyle is different. For some people, owning a home could be more expensive. Although homes generally don’t depreciate, there’s no guarantee of how much money you could possibly make when you sell your home.

A better idea would be to carefully do the math. See what fits your lifestyle better.

Pay Off Your Smallest Debt First-While paying off your debts is a financially smart move, you need to try to pay down the debts costing you the most. This means the debts with the larger interest rates attached to them. The more money attached to an interest rate, the more your debt will cost you.

For example, a 10 percent interest rate on a $2,000 debt versus a $200 debt. You would want to get the $2,000 debt down as much as possible faster because it costs you more….$180 more each payment period.

People Who Rush You To Make A Decision-Financial planning isn’t a rushed decision. Don’t listen to others who try to convince you find a hurried solution. Do some research for your financial issue.

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Millennials Aren’t Concerned With Credit

Millennials Selfie

There’s a stigma attached to credit with my generation—the Millennials. A recent study from Bankrate surveyed over 1,161 Millennials and found six out of 10 don’t own a single credit card. Compared to 35 percent of Americans who are over the age of 30.

As a Millennial myself, I was shocked by this number. I was raised to become aware of your credit and  your savings. This will help lead you to financial security. My mom works in the financial services industry, so it was important to her all six of her children understand personal finances. I’ve always had that influence around me. I also have friends who didn’t have this type of influence growing up, but they got the message that credit isn’t bad when used responsibly by observing what happens when credit isn’t used the right way.

What social impacts have Millennials been influenced by to not place an importance on credit? I believe we can attribute the Great Recession, societal changes and partly how you were raised.

I remember not being phased by the Great Recession when I was younger, but as I got closer to graduating college at the tender age of 22, I was hit in the face with it. Your priorities can change when trying to enter a job market when means are hard to come by. Especially for those who leave college with huge student loans. I’m sure those who are waist deep in student loan debt don’t want to entertain the thought of adding more debt with credit cards. Young Americans are now taking on more student loan debt. Whereas our predecessors who took on mortgage debt at our age.

Young Americans have grown up in a different society than their parents and grandparents. We’re getting married and having kids at later ages. We are overwhelmed with a different type of debt than our parents and grandparents (student loan debt vs. mortgage debts). Millennials debt generally far exceeds their assets. We don’t place a priority on owning a home of our own. We’re perfectly happy with renting until our late twenties and early thirties.

One of our partners from LendingTree, SVP and General Manager Rick Finch, says he noticed Millennials seem to be less interested in home ownership than they are in other things—like the latest technology. Finch says he noticed there is a jump in home ownership for the 29-31 age bracket.

Think about this: If you aren’t interested in credit, you’re going to suffer from high interest rates with any financial loan. This costs you thousands of dollars alone.  Also, you’ll have a harder time obtaining a loan. What should you do? Where do you start to build your credit? Credit is actually pretty straightforward.

What You Need to Know About The Two Types of Debt
The Reality of Improving your Credit Score
4 Reasons to Refinance Your Auto Loan

The Road to Credit Success
If you don’t have any credit built up, open a credit card and only use it once a month for gas or a few things at the grocery store. Basically, put a dollar amount on there each month (or as often as you like) that you know you can quickly pay off. Sometimes I use my card, then go home and pay it right off that same day. Continue this cycle, and it will be the gateway to building your credit. Your first credit card may have a high interest rate, but you don’t get charged the interest if you pay your bill in full at the time it’s due. Pay your credit card bills on time, and you don’t have to worry about the interest.

The infographic below shows what determines your credit score.

credit-score-make-up (2)

 

The Reality of Credit
First and foremost, do not expect your credit score to immediately jump. You have to work at it to build it, but I’m not saying it’ll take you a lifetime. Be patient, do what you’re supposed to do, and I’m sure you’ll be happy with the results you see within months. You are entitled to a FREE annual credit report at annualcreditreport.com. Check this report to monitor your credit.

There’s an overwhelming amount of noise people hear in regards to credit. Most of it comes from friends and family. Bad information gets passed around and around. I’m here to tell you credit is actually quite simple: It pays to pay your bills. Pay your bills on time, every time. Don’t rack up debt you can’t pay off within the allotted time frame. You’ll start boosting your credit score.

Now for the fine tuning of your credit score: Don’t make numerous inquiries into your credit. Inquiries happen anytime you apply for a loan or open a credit card. Don’t close credit lines you no longer use, because you need a credit history to make the best credit score. Finally, having different types of credit available to you helps your score. For instance, a car loan is a different type of credit line than a credit card or furniture you financed or a mortgage or student loans. Obviously, these different types of credit come over time.

Who Looks At Your Credit Score?
Lenders check credit history to determine the risk level of the borrower. After determining a risk level, the interest rate is determined. Interest rates are what the lender charges for letting you borrow money from them. Therefore, the less risky the borrower, the lower the interest rate and more likely the borrower will obtain a loan from that particular lender.

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9 Tips for Identity Protection

Unless you’re living under a rock, you’ve probably been made aware of at least one identity security breach for consumers and their personal identity within the last year. Remember the Target fiasco? Identity theft is on the rise.

The most recent large hack was Community Health Systems, which operates 206 hospitals across the country. The data breach happened August 18th. Hackers stole 4.5 million patients’ data. Hackers have gained access to their names, Social Security numbers, physical addresses, birthdays and telephone numbers.

Then, this week, Home Depot announced they have noticed “unusual activity” and are investing a possible data breach. No confirmation on an actual breach….yet.

Our infographic pinpoints nine things to keep you from becoming an identity theft victim.

9 tips for ID theft protection

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