Welcome to Common Cent$, a blog designed to help you personally, professionally and financially. Explore topics that will engage and inform you on topics that deal with current issues and personal development.
Follow us on Pinterest and never miss a beat.
2020
The home-buying process can be one of the most exciting times of your life. Even so, there is a lot you have to do in order to prepare.
The Fed Reserve cut its benchmark interest rate to zero on Sunday, the second such emergency rate cut this year in response to the coronavirus.
Regardless of whether you own a small business, work for a large corporation, or simply keep digital records at home, your computer has become a crucial place for storing data you need each and every day.
Even though the coronavirus (officially known as COVID-19) is proving itself to be a notable threat, it is precisely these types of incidents which can also evolve into a cybersecurity threat.
Fraud Alerts & Credit Freezes: What’s the Difference? (February 28, 2020) Looking for ways to protect your identity? One way to do that is making sure you are taking extra precautions securing your credit score. Every year, thousands of people fall victim to identity theft, which is why you should take steps to ensure that your credit stays safe.
Personal loans are just one way that homeowners fund renovations and improvement upgrades to their home. When owners have enough equity in a property, they might opt for a home improvement loan or a home equity line of credit.
In the distant past, people paid for goods and services by bartering. Currency soon entered the market and transformed from cocoa beans into cash. Then, in 1950, the first universal credit card became available to the public.
Generally, banks make investments or loans using the money collected or borrowed from customers. For the privilege of using those dollars, the bank then pays an annual percentage yield (rate of return), or interest, to the deposit account holders.
Community banks are small businesses’ most important source of capital.
2019
Have you seen ads promising easy money if you shrink-wrap your car — with ads for brands like Monster Energy, Red Bull, or Pepsi?
Keep your holiday shopping merry and bright with tips to help you watch your wallet, shop wisely, and protect your personal information.
Digital Wallets are hardly what one would refer to as new technology.
Community banks are small businesses’ most important source of capital.
While other banks promise to protect your financial information to the best of their ability, Blackhawk backs our policy up with Watchdog Checking.
While there are many types of mortgage loans available, a VA Loan is designed specifically for U.S. Veterans.
A child's Social Security number can be used by identity thieves to apply for government benefits, open bank and credit card accounts, apply for a loan or utility service, or rent a place to live.
Identity Theft: An Overview on Staying Safe (September 3, 2019)
What if someone else is borrowing money in your name, not paying it back and leaving you virtually helpless when you need to secure a loan? You’ve just become a victim of Identity Theft.
The Schaumburg Business Association recently partnered with Rick Zonts and Adam Hogan, Blackhawk Bank Business Bankers, to give some economic insight.
Todd James, Chairman and CEO of Blackhawk Bancorp, Inc., welcomed customers and staff of the First National Bank of McHenry to the Blackhawk family.
Homebuyers should understand how mortgage points will affect their interest rate, their monthly payment, and the overall cost of the loan.
Here's how to decorate your dorm room without busting your budget.
The warmer months offer ample opportunities to cut costs and boost savings.
The Federal Deposit Insurance Corporation (FDIC) advises bank customers on the potential for confusion between FDIConnect.com and the FDIC-run website, FDICconnect.gov.
Summer is vacation time! You CAN take the kids on a fabulous summer getaway without going broke.
Saving money doesn't have to be stressful.
Your Credit Score: How to Improve It - What Does Your Credit Score Mean? (May 9, 2019)
Credit scores are an important aspect of financial health.
Spend or Save Graduation Money? How New Grads Can Decide (May 1, 2019)
Cash graduation gifts can get you started off on the right foot financially. When it comes to graduation gifts, cash is king.
It is very easy to find any information you need in today’s connected world.
Did you know that Alexa can pay your bills?
All businesses need capital to thrive. Taking advantage of Blackhawk Bank’s commercial loan services in Janesville, Wisconsin, can benefit your company in countless ways.
Money may not be the solution to every problem in life, but it certainly helps businesses immensely.
Make Smart Money Decisions When Planning Your Wedding (March 5, 2019)
Wedding season is upon us and although planning is supposed to be exciting, the process can quickly become stressful as budgets grow tight.
The limits of limitations: Take stock of the rules you set for yourself (March 1, 2019)
Society enforces its power through the limitations individuals set for themselves.
Personal Installment Loans (February 13, 2019)
Are you in need of some extra cash to pay off bills, renovate your home, consolidate debt, or buy a new automobile?
What's the Difference Between Debit and Credit Cards? (February 1, 2019)
“Will that be credit or debit?” You’ve heard it asked a hundred times, but have you ever stopped to consider the difference between debit and credit cards?
CFOs: Recession Possible in 2019 (January 15, 2019)
Nearly half of U.S. CFOs think the nation’s economy will enter a recession by the end of 2019, finds the fourth-quarter Duke/CFO Outlook Survey.
2018
Netflix Phishing Scam: Don't Take the Bait (December 27, 2018)
Phishing is when someone uses fake emails or texts to get you to share valuable personal information – like account numbers, Social Security numbers, or your login IDs and passwords.
Never underestimate the power of "thank you."
How to Set Career and Financial Goals You'll Actually Achieve (December 21, 2018)
You work hard, but you're not getting ahead in your job.
