Two Cents - Insights Brought to you by Vectra Bank

Featured Articles

• 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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• The Best Ways to Lower Your Down Payment

  May 2017 / Personal Banking / Share

  There are several ways to lower the down payment on a house.

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• Why Home Ownership is Still a Great Investment

  May 2017 / Personal Banking / Share

  As home prices increase each year, home ownership is still a great investment.

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• Low Mortgage Rates Present New Homebuying Opportunities

  May 2017 / Personal Banking / Share

  Low interest rates are good news for prospective homebuyers, and the forecast still looks bright for them in the long run.

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• How to Avoid Paying Too Much for Car Insurance

  May 2017 / Personal Banking / Share

  To save as much as possible on your auto insurance, start your homework as soon as you've signed the paperwork for the purchase of your vehicle.

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• Why Local Lenders Often Outshine Big Banks

  May 2017 / Mortgages / Share

  Local lenders often outperform major banks.

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• Demographics of the new American homeowner

  April 2017 / Personal Banking / Share

  Homebuyers are getting younger as their tastes and needs continue to evolve faster than ever.

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• US gears up for the next home buying season

  April 2017 / Personal Banking / Share

  As things get underway once again for 2017, the market looks poised to log yet another impressive year.

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• Understanding common mortgage fees and costs

  April 2017 / Mortgages / Share

  Before signing on the dotted line or even settling on a lender, take a look at the details behind the loan and be prepared for an honest discussion.

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• Completing a home remodel project in the spring or summer

  April 2017 / Home Improvement / Share

  If you've been binge-watching home remodeling shows lately, you have probably been wondering about actually starting a project yourself.

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• Denver’s Housing Market Remains Strong, but 2017 Brings Its Own Influences

  April 2017 / Colorado Economy / Share

  A recap of Vectra's first quarter Homebuilders Breakfast 2017.

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• Choosing the best auto loan

  March 2017 / Personal Banking / Share

  Shopping for a new car might be fun, but most would agree that searching for a good auto loan isn't a joy. However, that attitude could be costing us.

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• Understanding reverse mortgages

  March 2017 / Mortgages / Share

  A reverse mortgage might be a good financial move for some homeowners, but be sure to work through the associated costs and benefits.

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• Home equity still a great option for homeowners

  March 2017 / Home Improvement / Share

  The number of homeowners tapping into the equity they've built up in recent years is beginning to rise, in line with better economic indicators for homeowners across the board.

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• Keeping your smart home devices secure

  March 2017 / Security Fraud / Share

  Here's how to take basic security precautions when installing and using smart home devices.

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