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Lendmark Financial
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At Lendmark, we understand loans are as individual as the people who apply for them.
At Lendmark, we understand loans are as individual as the people who apply for them.

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Lendmark makes Halloween spooktacular

Because above-and-beyond is the team theme at Lendmark, holidays are no different. Here are some of the creative and fun costumes our employees donned for Halloween 2016. Tell us which ones are your favorite!
#lendmark #halloween #costumecontest #aliceinwonderland #dayofthedead
#incharacter #drseuss #jeopardy #cats #bucks #farside #lizzyborden

http://albumizr.com/skins/bandana/index.php?key=syAI

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11/10/16
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Save more this year

If saving more money in 2017 was one of your resolutions, then get ready to stash your cash. It’s good to take a snapshot of your current monthly income and expenses. Start with the amount of money you make each month after taxes. Deduct all your essentials like utilities, loan payments, rent or mortgage, etc. Non-essentials are where cuts can be made and savings can be found. For example:
• Seek less-expensive cable/internet options or bundles.
• Ask credit card companies to reduce your interest rate.
• Take advantage of cell phone promotions and switch to save monthly.
• Cut back on eating out.
• Quit impulse buying online.
• Grocery shop with a list and coupons.
• Use the library to check out books, CDs and even DVDs.
• Declutter and sell unused items. Also buy used when you can.
• Keep track of what you’re saving. It will keep you motivated.

For more, visit www.lendmarkfinancial.com
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Reeling from holiday spending?

When the New Year rings in and the holiday decorations are packed away, you may find yourself having to deal with a few overindulgences. If one of them was holiday spending and your finances are begging for reprieve, here are some things you can do to get back on track.
• Pay down credit cards with the highest interest rates first. Also, pay more than the minimum if you can.
• Don’t spend money on non-essentials until you get caught up.
• Make cuts wherever possible (eat out less, skip the morning latte, use coupons for groceries, etc.).
• Don’t make any more purchases on your credit cards until the balances are paid down.
• Avoid shopping temptations online and at stores.
• Clean out your home and sell some of your unused things. Use the cash to pay down your debt.
• Start saving for next year’s holiday season and stick to your budget.

For more visit us online at www.lendmarkfinancial.com

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Prevent Identity Theft

Taking steps to prevent thieves from accessing your personal information is the first line of defense against cyber criminals. Safeguarding your identity starts with knowing what thieves are looking for and how they could potentially use what they find. Your name and address, credit card or bank account numbers, social security number, insurance information, driver’s license number and passwords can be used to:

• Make purchases with your credit or money
• Acquire new credit cards in your name
• Open utility accounts
• Get medical care with your coverage
• Change the address on your bills, but keep the accounts open
• Withdraw money from your accounts
• Get personal loans with your info
https://www.lendmarkfinancial.com/prevent-identity-theft/
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Give a ton without spending a ton

When it comes to the giving spirit, you can have it in abundance even if you’re on a budget. Many people donate during the holiday season, but charities and nonprofit organizations are in need year-round. Whatever your cause of choice, generosity doesn’t have to be shown in dollars. Here are some ways you can make a difference:
-Donate blood or plasma.
-Volunteer your time when you can. Visit volunteermatch.com.
-Give your gently used items to resale or distribution centers.
-Walk dogs and clean cages at the local animal shelter.
-Sign up to be a mentor or tutor.
-Visit with residents at an elder care facility.
-Clean out your pantry and give unexpired, unopened goods to the food bank.
-Do a park cleanup with friends.
-Recycle bottles and cans and donate the cash.
-Do yard work or chores for neighbors who are unable.
https://www.lendmarkfinancial.com/

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Professor Nick’s resolutions

It’s that time of year to contemplate self-improvement. Here are some things I’d like to achieve in 2017:
1) Help more people by sharing useful financial information
2) Volunteer at the local animal shelter with my trusty sidekick Pennie
3) Clean out my closet and donate some of my suits and snazzy ties to charity
4) Enroll in a ceramics class
5) Take more naps
6) Perfect the earl grey latte 
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Prevent Identity Theft

Howdy everyone! Professor Nick L. Endimes again, and today’s topic is one that’s very important in this digital world. Just like superheroes in comic books, we must all take significant steps to protect our identities. Cyber criminals are everywhere, and they can do a lot of damage from a laptop on the other side of the world. But being informed is your best defense against identity theft. Here are some ways to keep your information safe.
Only use secure WiFi connections. If you have WiFi at home, be sure you have it set up with password protection, and never do any financial transactions on public WiFi. If you shop online, make sure the website is secure by looking for the padlock symbol or https in the web address. And if you use social media, don’t share your personal details. Cyber criminals comb through these sites to dig up information they can use.
Speaking of passwords, make sure yours are unique and strong. Choose passwords with combinations of letters, numbers, capitalization and punctuation. Also, never use the same password for multiple accounts.
Keep a close eye on your bank and credit card accounts. If anything seems suspicious, contact customer service right away. You can also make sure no one opens a new account under your name by obtaining regular credit reports or by signing up for an identity theft protection program.
If you get a phone call or email that your account has been compromised, don’t give out your information, especially your social security number. Never click on an unanticipated link in your email. Go directly to your bank or credit card company’s secure website or call them right away to check on the status of your accounts.
These are just a few ways to keep your identity safe and secure. For more helpful tips, visit the link below. Until next time….
https://www.lendmarkfinancial.com/prevent-identity-theft/

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Holiday Tip 6

Shop day-after sales

In the week following the holiday season, retailers slash prices to move this year’s holiday inventory. It’s a great time to stock up for next year, or even stash some non-perishable gifts. Winter clothing will also be greatly discounted. You can stretch your gift cards or store coupons further with the blowout deals. Here are some items to pick up on post-holiday sale:
• Gift wrap
• Holiday cards
• Holiday décor and lights
• Coats and scarves
• Boots
• Beauty sets
• Slippers
• Small appliances
• Electronics

For more tips and info, visit:
www.lendmarkfinancial.com
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Holiday Tip 5

Buy used

Who said a thoughtful gift has to be new? You can buy gently used, or even brand-new, items at thrift and consignment shops. Online marketplaces like Amazon or eBay also offer used products that can save you a ton. Be sure to know what items retail for new, so you don’t pay more than you should. Here is a list of some items you can find used in like-new condition that make great gifts:

• Books
• DVDs/Blu-rays
• Handbags
• Furniture
• Designer labels
• Bicycles
• Musical instruments
• Tools

For More Visit:
www.LendmarkFinancial.com
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Cash or Credit?

Here’s a common scenario: your child must have that next greatest thing, and the time in between birthdays and holidays seems like an eternity! They may have some spending money earned from an allowance or a job which, undoubtedly, is burning a hole in their pocket. Now’s a great time to teach your child about spending, saving, making purchases on credit and why their financial future depends on these choices.
Educating your child about smart spending from the get-go will set them up to be conscientious money managers later in life. A few important lessons to bestow are how to create and stick to a budget, planning for the unexpected and spending wisely. And when covering credit, things like interest, monthly payments, credit score and debt are key.

Here’s more information to get the conversation rolling: https://www.lendmarkfinancial.com/child-money-management/

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