Exorcise Your Credit Demons

By |2019-10-16T14:29:15-04:00October 16th, 2019|Uncategorized|

If you’re like most people, you get bombarded with loan offers both in email and snail mail for personal loans, credit, mortgages, student loans, car loans, home equity lines of credit – shall I go on? God forbid if you are a sole proprietor or small business owner as the number of offers just doubled! [...]

Beware the Credit Pull

By |2019-07-23T09:13:40-04:00July 23rd, 2019|Uncategorized|

A high majority of consumers today browse multiple websites before deciding to visit a store or purchase online. If the item they are looking for has a high price tag, financing, or paying over time for the purchase may be desirable. Many businesses know that consumers purchasing higher priced items often want/need to pay-over-time for [...]

Penny Wise and Pound Foolish

By |2019-05-20T09:58:48-04:00May 20th, 2019|Uncategorized|

Nothing like a good idiom to shed light on a problem. Being penny wise and pound foolish is really saying that focusing on saving a small amount of money may prevent you from earning a large amount of money. “Seeing the forest for the trees” is another idiom with similar meaning. This refers to being [...]

The Impact of Interest

By |2019-04-18T10:52:24-04:00April 18th, 2019|Uncategorized|

There are some who believe that financing is evil and that it’s foolish not to pay cash up front for all of your needs. Logically, you can understand this argument. In reality though, the demands and desires of life don’t fit neatly in to that box. So, how can you try to minimize interest charges [...]

Fintech Personal Loans Taking Marketshare

By |2019-03-18T14:13:46-04:00March 18th, 2019|SweetPay|

Over the last five years, online personal loans from lenders known as financial technology, or “Fintech”, lenders have garnered much attention. Fintechs rapid growth has taken marketshare from traditional lending sources, such as banks and credit unions. This blog will attempt to answer why this is happening. Methods of Paying-Over-Time Up until recently, there have [...]

Think and Act Bigger than You Are!

By |2019-03-18T09:07:30-04:00February 18th, 2019|SweetPay|

You’re a small business operating with larger, more established competitors all around you. You may feel overwhelmed, intimated, or inhibited. Your products and service are just as good as those of your larger competitors, but you feel it’s unfair they get all the attention.  Stop the pity party! Most successful businesses, large, medium, and small, [...]

Costs of the traditional bank branch

By |2019-02-18T17:11:02-05:00January 22nd, 2019|SweetPay|

You may not have heard of the term “FinTech”, but you most likely have been in contact with a FinTech! Fintech refers to a new generation of online banking and lending solutions, though definitions varying widely; “Products and companies that employ newly developed digital and online technologies in the banking and financial services industries.”  Merriam-Webster “FinTech, [...]

Are you feeling all the love?

By |2019-02-18T17:07:43-05:00January 9th, 2019|SweetPay|

The year 2018 was a robust year of consumer lending. Online personal loans and retail consumer finance both saw upticks in lending volume as the consumer was in better financial health and lenders had plenty of capital at their disposal. Lenders were eager to work with businesses to get their capital out to consumers. Did [...]

The Charitable Loan: Holiday Season

By |2019-02-18T17:04:54-05:00November 26th, 2018|SweetPay|

Don’t you just love the holiday season? It’s full of excitement, with family and friends getting together, fantastic meals that somehow don’t get prepared until this time of season (what’s up with that?), creation of your gift wish list, and, don’t forget, charitable donations. It’s that last item that sometimes gets overlooked in all the [...]

Can’t we all just get along?

By |2019-02-18T17:00:57-05:00November 7th, 2018|SweetPay|

Given this is a post-election blog, I thought it would be appropriate to ask, can’t we all just get along? No, I don’t mean republicans and democrats – come on, let’s get real! I mean debt and savings! These two financial instruments seem to be at odds with each other, both in the minds of [...]

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