Two Cents - Insights Brought to you by Vectra Bank

Featured Articles

• Should You Hire a Real Estate Agent?

  September 2017 / Mortgages / Share

  Some potential homebuyers or homeowners cut costs by taking a second look at expenses like contracting a real estate agent - but is this really worth it?

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• What Non-profits Need To Know

  September 2017 / Business Banking / Share

  If you are an employee at a nonprofit or thinking of starting your own, it helps to know the basic differences between nonprofits and for-profit business.

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• Does Your Business Need a Loan or Line Of Credit?

  September 2017 / Business Banking / Share

  Business loans are available in many shapes and sizes, but it's not always easy to know exactly which one is right for you.

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• Travel Insurance: Know Before You Go

  September 2017 / Personal Banking / Share

  If you're considering a travel insurance policy for your next big trip, make sure you know exactly what is covered and what you need.

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• How Employers Are Rethinking Office Health

  September 2017 / Business Banking / Share

  Offering the ability to take paid time off for any reason is obviously a cost that employers must shoulder. But the cumulative costs surrounding a general lack of access to sick leave could be even greater.

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• How To Expand Business Overseas

  September 2017 / Business Banking / Share

  Expanding beyond U.S. borders is not without some complex risks and challenges.

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• Recent Changes in the 'Gig Economy'

  September 2017 / Personal Banking / Share

  The gig economy now accounts for as much as 4 percent of the American workforce. Should you sign up?

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• Denver Home Prices, Sales Slip in July

  September 2017 / Colorado Economy / Share

  With the release of home sales and price data from July, some real estate professionals are seeing cause for concern.

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• Rental Market Changes May Affect US Homeowners

  September 2017 / Colorado Economy / Share

  As Americans drift away from homeownership, for a variety of hotly debated reasons, they seem to be more attracted to renting instead.

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• How New Merchant Services Technology Helps Businesses Be More Efficient

  August 2017 / Business Banking / Share

  Banking technology has made remarkable strides in recent years, helping businesses manage cash flow and revenue.

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• Choosing the Right Student Aid Option

  August 2017 / Personal Banking / Share

  There are many ways to get help with paying for college thanks to a number of programs and loan types.

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• The Best Ways to Save $500 Per Month

  August 2017 / Personal Banking / Share

  It may be easier than you think to save around $500 over a month.

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• Accepting Credit Cards At Small Businesses

  August 2017 / Business Banking / Share

  Paying with plastic is now second-nature for most, but it can still be a point of frustration for the business on the receiving end of the transaction.

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• Denver Tops List of Cities With Younger Homeowners

  August 2017 / Colorado Economy / Share

  Prospective or current homeowners under age 35 are probably looking for a lively city to call their own, but still need to make finances a high priority.

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• How Businesses and Consumers Can Fight Ransomware

  July 2017 / Security Fraud / Share

  How can computer users work to help protect their systems from these ransomware attacks? In most cases, it comes down to prevention and preparation.

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• Economic Uncertainty Pushes Rates Lower

  July 2017 / Mortgages / Share

  Mortgage interest rates are at their lowest level in seven months.

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• Getting the Most From Your Business Credit Card

  July 2017 / Business Banking / Share

  Having a company card can offer many advantages for business owners when used effectively.

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• Getting a Pulse Check on the U.S. Economy

  July 2017 / Business Banking / Share

  To understand the context of the latest Fed rate hike and its likely implications, it helps to understand the stories behind the data.

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• How College Grads Can Pay Off Student Loans

  July 2017 / Personal Banking / Share

  Before beginning the repayment process, it's essential to know the terms of the loan, including when and how you will need to pay them back.

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• New Credit Scoring Models Benefit Consumers, Businesses

  July 2017 / Personal Banking / Share

  Credit consumers can expect to see some changes to their reports relatively soon.

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• What's New In Merchant Services

  June 2017 / Business Banking / Share

  What's new in merchant services at Vectra Bank.

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• Buying and Selling in a Hot Housing Market

  June 2017 / Personal Banking / Share

  Don't be caught off guard if you're looking to own a home in a highly competitive real estate market.

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• How To Use Business Credit Cards Effectively

  June 2017 / Business Banking / Share

  Business credit cards represent about $1 out of every $6 spent on all active credit accounts in the U.S.

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• Spring Mortgage Rates Dip Lower

  June 2017 / Mortgages / Share

  Recent mortgage rate activity may be a good sign for Americans planning to move this year.

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• How Homeowners Are Financing Renovations

  June 2017 / Home Improvement / Share

  To make the decision on what to fix and how to pay for it, be sure to carefully weigh all the options and pick the most appropriate method to finance these projects.

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• How to Save On Student Debt With a Mortgage

  June 2017 / Personal Banking / Share

  According to Fannie Mae, these initiatives could help as many as 8.5 million U.S. homeowners save on their mortgage and student loan payments.

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