Gary Lobato Realtor

09/11/2024

06/03/2022

How often do you use a debit card? To avoid identity theft, start using it less.

A debit card can be your worst enemy when it comes to identity fraud. Credit and debit card fraud to...

05/27/2022

You might not be aware, but you can ask your credit card company to increase your limit. What home improvement project would you take on with a higher limit?

A higher credit limit can help in an emergency, allow you to make any necessary large purchases and ...

05/20/2022

Six months is just the start. There's a lot to consider.

An emergency fund should cover disasters such as a job loss, sudden illness, broken car or other cat...

05/13/2022

Retirees, consider saving money by moving to a smaller home or a less expensive location!

If you’re nearing retirement and haven’t saved much for it, you’re not alone. Forty-eight percent of...

04/29/2022

Closing a credit card account can hurt your credit score, but there are other options if you no longer use it.

Canceling a credit card that you rarely use or have paid off can feel good. It can give you a sense ...

04/23/2022

Credit cards offer protections that cash doesn't, especially when traveling.

Paying for something with a credit card instead of cash can be easier for a number of reasons. While...

04/22/2022

Rolling coins to take to the bank doesn't have to be a chore.

Not using your credit card enough sounds like an odd reason to have a mortgage application denied, b...

04/17/2022

Don't call a handyman for basic home repairs. Here are four things every homeowner should know.

Owning a home is infinitely rewarding but issues do pop up, and there’s no need to call a handyman e...

04/16/2022

How much time do you spend in front of a screen?

Between your desk job, your social media accounts and your nightly Netflix-a-thon, those hours in fr...

04/15/2022

Heard about a recent increase in interest rates? Here's how it could affect your credit card and loan terms.

If you’ve ever noticed a rise in interest rates in the news or saw your credit card bill get a littl...