Mama Bear Blog

Mama Bear Blog

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Guest Post: 7 Ways to Budget for a Big Move

Blog Post by Holly Welles - 5/23/19

Getting ready to move? Here are 7 Ways to Budget for the Big Expenses Any move, no matter what the size, can be daunting. There’s tons of prep, including packing boxes, hiring movers, updating personal information, re-registering to vote, and so much more. On top of it all, moving means spending carefully budgeted money. According […]

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Guest Post: The Importance of Credit to Your Personal Finances

Blog Post by Mike Brown - 4/16/19

Your credit score is more than just a three-digit number to check every now and again. It is a crucial component of your financial life, as it quickly and easily allows new potential creditors and lenders to gauge your financial health. A credit score is a methodically calculated number that is derived from all the […]

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Guest Post: Looking for More Ways to Save Money? 5 Ways to Lower Your Cable Bill

Blog Post by Ben Kurland - 4/12/19

Saving money is hard. Other than refinancing your car loan with Outside Financial, there aren’t many ways to cut costs without a downside. The bad news is you are most likely paying too much for TV and internet. The good news is that with the right techniques, you can pay less. It doesn’t matter whether […]

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Guest Post: How to Fit Auto Loans Into Your Financial Health

Blog Post by Sonia Steinway

Sonia Steinway

I'm one of the co-founders of Outside Financial. My passion is helping people make sense of their financial lives. That’s why I became an attorney focused on consumer finance regulation. But I found that for all the regulations that affect major financial transactions, consumers still don’t know how to get the best deal for themselves. That’s especially true in auto finance. I wanted to help the average American understand their choices, and work on fixing a process that’s too important to be so broken. That's why we started Outside Financial. I received a BA from the University of Pennsylvania and a JD from Yale Law School. I've written several articles on consumer finance and financial regulation, and I'm frequently quoted as an auto finance industry expert in publications such as Forbes, Reader's Digest, and USA Today. Connect with me on LinkedIn https://www.linkedin.com/in/soniasteinway/ or follow me on Quora https://www.quora.com/profile/Sonia-Steinway.

- 3/27/19

Today’s special guest post on how auto loans fit into your overall financial health is brought to you by Bob Haegele, aka the Frugal Fellow. Auto loans have been increasing in recent years. Much of that is due to an increase in the popularity of larger vehicles such as trucks and SUVs. These vehicles are […]

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Auto Loans’ Quiet Catastrophe

Blog Post by Jon Friedland

Jon Friedland

I'm one of the co-founders of Outside Financial. As an institutional investor for 20 years, I studied the dramatic shift in auto dealership profits from car sales to F&I. I didn't think that was good for car buyers, and I started Outside Financial to do something about it. Before becoming a financial industry expert, I worked in foreign aid. I received a BA from Vassar College and a MBA from Columbia University. I have an intense personal interest in environmental protection and in educational reform and innovation. I serve on the Global Leadership Council of the Natural Resources Defense Council, the boards of the Catskill Mountainkeeper and Classroom, Inc, and the Visiting Committee of Hawken School. I'm from Cleveland, Ohio, and now live in New York City with my wife and our four children. Connect with me on LinkedIn https://www.linkedin.com/in/jon-friedland-9831aa52/.

- 2/26/19

Regulatory loopholes and dramatic shifts in auto dealership business models are driving a catastrophe in auto finance. We’ll explain what’s happening and offer a simple solution.

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4 Reasons Refinancing your Car Loan Makes Financial Sense

Blog Post by Sonia Steinway

Sonia Steinway

I'm one of the co-founders of Outside Financial. My passion is helping people make sense of their financial lives. That’s why I became an attorney focused on consumer finance regulation. But I found that for all the regulations that affect major financial transactions, consumers still don’t know how to get the best deal for themselves. That’s especially true in auto finance. I wanted to help the average American understand their choices, and work on fixing a process that’s too important to be so broken. That's why we started Outside Financial. I received a BA from the University of Pennsylvania and a JD from Yale Law School. I've written several articles on consumer finance and financial regulation, and I'm frequently quoted as an auto finance industry expert in publications such as Forbes, Reader's Digest, and USA Today. Connect with me on LinkedIn https://www.linkedin.com/in/soniasteinway/ or follow me on Quora https://www.quora.com/profile/Sonia-Steinway.

- 2/5/19

4 Reasons Refinancing Your Car Loan Makes Financial Sense Refinancing your car loan can be one of the easiest ways to save money and improve your monthly budget. The average car refinance saves over $50 a month and reduces the interest rate by over 2%! Here are the top 4 ways refinancing your car loan […]

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How Long Should You Wait to Refinance your Car Loan if your Rate is High?

Blog Post by Jon Friedland

Jon Friedland

I'm one of the co-founders of Outside Financial. As an institutional investor for 20 years, I studied the dramatic shift in auto dealership profits from car sales to F&I. I didn't think that was good for car buyers, and I started Outside Financial to do something about it. Before becoming a financial industry expert, I worked in foreign aid. I received a BA from Vassar College and a MBA from Columbia University. I have an intense personal interest in environmental protection and in educational reform and innovation. I serve on the Global Leadership Council of the Natural Resources Defense Council, the boards of the Catskill Mountainkeeper and Classroom, Inc, and the Visiting Committee of Hawken School. I'm from Cleveland, Ohio, and now live in New York City with my wife and our four children. Connect with me on LinkedIn https://www.linkedin.com/in/jon-friedland-9831aa52/.

- 1/31/19

How Long Should You Wait to Refinance Your Car Loan? The back office of the car dealership is the wrong place to get an auto loan: car dealers charge over $1,700 on average in undisclosed markups and fees! Let’s say you already got your loan, though – how soon can you refinance your car loan […]

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Car Shopping? How to Build Credit to Get the Right Car Loan

Blog Post by Sonia Steinway

Sonia Steinway

I'm one of the co-founders of Outside Financial. My passion is helping people make sense of their financial lives. That’s why I became an attorney focused on consumer finance regulation. But I found that for all the regulations that affect major financial transactions, consumers still don’t know how to get the best deal for themselves. That’s especially true in auto finance. I wanted to help the average American understand their choices, and work on fixing a process that’s too important to be so broken. That's why we started Outside Financial. I received a BA from the University of Pennsylvania and a JD from Yale Law School. I've written several articles on consumer finance and financial regulation, and I'm frequently quoted as an auto finance industry expert in publications such as Forbes, Reader's Digest, and USA Today. Connect with me on LinkedIn https://www.linkedin.com/in/soniasteinway/ or follow me on Quora https://www.quora.com/profile/Sonia-Steinway.

- 1/29/19

Car Shop Smarter: Build Your Credit So You Can Get the Right Car Loan If you’re in the market for a new car, we recommend a few steps to make car shopping go smoother. The most important? Check your credit history. Read below our expert car shopping tips and advice. What does credit have to do […]

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Can a Car Loan Refinance Hurt your Credit Score?

Blog Post by Sonia Steinway

Sonia Steinway

I'm one of the co-founders of Outside Financial. My passion is helping people make sense of their financial lives. That’s why I became an attorney focused on consumer finance regulation. But I found that for all the regulations that affect major financial transactions, consumers still don’t know how to get the best deal for themselves. That’s especially true in auto finance. I wanted to help the average American understand their choices, and work on fixing a process that’s too important to be so broken. That's why we started Outside Financial. I received a BA from the University of Pennsylvania and a JD from Yale Law School. I've written several articles on consumer finance and financial regulation, and I'm frequently quoted as an auto finance industry expert in publications such as Forbes, Reader's Digest, and USA Today. Connect with me on LinkedIn https://www.linkedin.com/in/soniasteinway/ or follow me on Quora https://www.quora.com/profile/Sonia-Steinway.

- 1/24/19

Does Refinancing Your Car Loan Hurt Your Credit Score? Everyone’s credit situation is unique, but in general, the short answer is: refinancing your car loan could make your credit score dip slightly at first, but could improve it long-term. What’s in a Credit Score? To understand why, it’s helpful to know what goes into your […]

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5 Questions to Ask When Refinancing Your Car Loan

Blog Post by Jon Friedland

Jon Friedland

I'm one of the co-founders of Outside Financial. As an institutional investor for 20 years, I studied the dramatic shift in auto dealership profits from car sales to F&I. I didn't think that was good for car buyers, and I started Outside Financial to do something about it. Before becoming a financial industry expert, I worked in foreign aid. I received a BA from Vassar College and a MBA from Columbia University. I have an intense personal interest in environmental protection and in educational reform and innovation. I serve on the Global Leadership Council of the Natural Resources Defense Council, the boards of the Catskill Mountainkeeper and Classroom, Inc, and the Visiting Committee of Hawken School. I'm from Cleveland, Ohio, and now live in New York City with my wife and our four children. Connect with me on LinkedIn https://www.linkedin.com/in/jon-friedland-9831aa52/.

- 1/22/19

What questions should you ask when refinancing your car loan? Refinancing to a better car loan can mean big savings: on average, you can lower your APR by 2.4% and lower your monthly car payments by $52 per month – that’s over $600 per year. That’s why we recommend seeing how much you could save […]

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Top Reasons Why a 72 or 84 Month Auto Loan is Not Worth It

Blog Post by Sonia Steinway

Sonia Steinway

I'm one of the co-founders of Outside Financial. My passion is helping people make sense of their financial lives. That’s why I became an attorney focused on consumer finance regulation. But I found that for all the regulations that affect major financial transactions, consumers still don’t know how to get the best deal for themselves. That’s especially true in auto finance. I wanted to help the average American understand their choices, and work on fixing a process that’s too important to be so broken. That's why we started Outside Financial. I received a BA from the University of Pennsylvania and a JD from Yale Law School. I've written several articles on consumer finance and financial regulation, and I'm frequently quoted as an auto finance industry expert in publications such as Forbes, Reader's Digest, and USA Today. Connect with me on LinkedIn https://www.linkedin.com/in/soniasteinway/ or follow me on Quora https://www.quora.com/profile/Sonia-Steinway.

- 1/17/19

Top Reasons Why a 72 or 84 Month Auto Loan is Not Worth It The average car loan term has been steadily climbing, and it’s not hard to understand why: the longer you stretch out a car loan, the less you have to make each month in car payments. So what’s wrong with saving a […]

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How Much Cash Should You Put Down When Purchasing a Car?

Blog Post by Jon Friedland

Jon Friedland

I'm one of the co-founders of Outside Financial. As an institutional investor for 20 years, I studied the dramatic shift in auto dealership profits from car sales to F&I. I didn't think that was good for car buyers, and I started Outside Financial to do something about it. Before becoming a financial industry expert, I worked in foreign aid. I received a BA from Vassar College and a MBA from Columbia University. I have an intense personal interest in environmental protection and in educational reform and innovation. I serve on the Global Leadership Council of the Natural Resources Defense Council, the boards of the Catskill Mountainkeeper and Classroom, Inc, and the Visiting Committee of Hawken School. I'm from Cleveland, Ohio, and now live in New York City with my wife and our four children. Connect with me on LinkedIn https://www.linkedin.com/in/jon-friedland-9831aa52/.

- 1/16/19

What’s the right down payment on a car? How much cash should you put down? A down payment is any money you pay upfront when you buy something on credit, like a house or a car. How much cash you should put down depends on your budget, but we have some tips to help you […]

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Why You Need to Compare Auto Loans

Blog Post by Sonia Steinway

Sonia Steinway

I'm one of the co-founders of Outside Financial. My passion is helping people make sense of their financial lives. That’s why I became an attorney focused on consumer finance regulation. But I found that for all the regulations that affect major financial transactions, consumers still don’t know how to get the best deal for themselves. That’s especially true in auto finance. I wanted to help the average American understand their choices, and work on fixing a process that’s too important to be so broken. That's why we started Outside Financial. I received a BA from the University of Pennsylvania and a JD from Yale Law School. I've written several articles on consumer finance and financial regulation, and I'm frequently quoted as an auto finance industry expert in publications such as Forbes, Reader's Digest, and USA Today. Connect with me on LinkedIn https://www.linkedin.com/in/soniasteinway/ or follow me on Quora https://www.quora.com/profile/Sonia-Steinway.

- 10/16/18

It’s never too late to compare auto loans. You could save $1,000. Car loan interest rates are on the rise.  According to the Federal Reserve, the average auto loan interest rate has increased by almost 1% over the past year. That means that the APR you qualified for 8 months ago when you took out […]

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Why Should You Refinance Your Car Loan Online?

Blog Post by Jon Friedland

Jon Friedland

I'm one of the co-founders of Outside Financial. As an institutional investor for 20 years, I studied the dramatic shift in auto dealership profits from car sales to F&I. I didn't think that was good for car buyers, and I started Outside Financial to do something about it. Before becoming a financial industry expert, I worked in foreign aid. I received a BA from Vassar College and a MBA from Columbia University. I have an intense personal interest in environmental protection and in educational reform and innovation. I serve on the Global Leadership Council of the Natural Resources Defense Council, the boards of the Catskill Mountainkeeper and Classroom, Inc, and the Visiting Committee of Hawken School. I'm from Cleveland, Ohio, and now live in New York City with my wife and our four children. Connect with me on LinkedIn https://www.linkedin.com/in/jon-friedland-9831aa52/.

- 10/4/18

Refinancing your auto loan online can be a smart way to meet your monthly budget goals, save money, and even improve your credit score.  Done right, it’s like earning a free vacation.  We’ll show you how to refinance your car loan online now. Refinancing your auto loan online can save you money by: lowering your […]

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Our Car Buying Tips: Watch Out For Surprise Dealership Fees

Blog Post by Sonia Steinway

Sonia Steinway

I'm one of the co-founders of Outside Financial. My passion is helping people make sense of their financial lives. That’s why I became an attorney focused on consumer finance regulation. But I found that for all the regulations that affect major financial transactions, consumers still don’t know how to get the best deal for themselves. That’s especially true in auto finance. I wanted to help the average American understand their choices, and work on fixing a process that’s too important to be so broken. That's why we started Outside Financial. I received a BA from the University of Pennsylvania and a JD from Yale Law School. I've written several articles on consumer finance and financial regulation, and I'm frequently quoted as an auto finance industry expert in publications such as Forbes, Reader's Digest, and USA Today. Connect with me on LinkedIn https://www.linkedin.com/in/soniasteinway/ or follow me on Quora https://www.quora.com/profile/Sonia-Steinway.

- 2/6/18

What’s the best way to buy a car? Here are our car buying tips to help you shop smarter Car buying can be stressful – you’re making a big decision and committing to pay thousands of dollars. We want to help you shop smarter; that’s why we have assembled our list of car buying tips. […]

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The Truth About Longer Car Loan Terms: Shorter is Better

Blog Post by Jon Friedland

Jon Friedland

I'm one of the co-founders of Outside Financial. As an institutional investor for 20 years, I studied the dramatic shift in auto dealership profits from car sales to F&I. I didn't think that was good for car buyers, and I started Outside Financial to do something about it. Before becoming a financial industry expert, I worked in foreign aid. I received a BA from Vassar College and a MBA from Columbia University. I have an intense personal interest in environmental protection and in educational reform and innovation. I serve on the Global Leadership Council of the Natural Resources Defense Council, the boards of the Catskill Mountainkeeper and Classroom, Inc, and the Visiting Committee of Hawken School. I'm from Cleveland, Ohio, and now live in New York City with my wife and our four children. Connect with me on LinkedIn https://www.linkedin.com/in/jon-friedland-9831aa52/.

- 2/6/18

For Car Loan Terms, Shorter is Better The best loan is always the one that fits your budget and financial goals. But when it comes to car loan terms, our advice is simple: borrow for as short of a term as you can afford. Longer auto loan terms can cost you thousands in car loan […]

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Car Shopping While Female

Blog Post by Sonia Steinway

Sonia Steinway

I'm one of the co-founders of Outside Financial. My passion is helping people make sense of their financial lives. That’s why I became an attorney focused on consumer finance regulation. But I found that for all the regulations that affect major financial transactions, consumers still don’t know how to get the best deal for themselves. That’s especially true in auto finance. I wanted to help the average American understand their choices, and work on fixing a process that’s too important to be so broken. That's why we started Outside Financial. I received a BA from the University of Pennsylvania and a JD from Yale Law School. I've written several articles on consumer finance and financial regulation, and I'm frequently quoted as an auto finance industry expert in publications such as Forbes, Reader's Digest, and USA Today. Connect with me on LinkedIn https://www.linkedin.com/in/soniasteinway/ or follow me on Quora https://www.quora.com/profile/Sonia-Steinway.

- 2/6/18

  Women Buy More Cars and Influence More Car Buying Decisions Women are more likely than men to have a bad experience at the dealership, even though we influence the majority of car buying decisions. The first time I went to a dealership, I did my research: I knew which models I wanted to test […]

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Should I buy a Vehicle Service Contract (aka Extended Warranty)?

Blog Post by Sonia Steinway

Sonia Steinway

I'm one of the co-founders of Outside Financial. My passion is helping people make sense of their financial lives. That’s why I became an attorney focused on consumer finance regulation. But I found that for all the regulations that affect major financial transactions, consumers still don’t know how to get the best deal for themselves. That’s especially true in auto finance. I wanted to help the average American understand their choices, and work on fixing a process that’s too important to be so broken. That's why we started Outside Financial. I received a BA from the University of Pennsylvania and a JD from Yale Law School. I've written several articles on consumer finance and financial regulation, and I'm frequently quoted as an auto finance industry expert in publications such as Forbes, Reader's Digest, and USA Today. Connect with me on LinkedIn https://www.linkedin.com/in/soniasteinway/ or follow me on Quora https://www.quora.com/profile/Sonia-Steinway.

- 10/7/17

Do I really need a Vehicle Service Contract (aka “extended warranty”)? Our bottom-line: Vehicle Service Contracts (VSCs), sometimes incorrectly referred to as extended warranties, can be worthwhile, if you know what you’re buying and you get one at the right price. Manufacturer warranties usually offer limited protection for 3 years or 36,000 miles. But cars […]

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Outside Financial is Here to Help You Get a Car Loan Online

Blog Post by Jon Friedland

Jon Friedland

I'm one of the co-founders of Outside Financial. As an institutional investor for 20 years, I studied the dramatic shift in auto dealership profits from car sales to F&I. I didn't think that was good for car buyers, and I started Outside Financial to do something about it. Before becoming a financial industry expert, I worked in foreign aid. I received a BA from Vassar College and a MBA from Columbia University. I have an intense personal interest in environmental protection and in educational reform and innovation. I serve on the Global Leadership Council of the Natural Resources Defense Council, the boards of the Catskill Mountainkeeper and Classroom, Inc, and the Visiting Committee of Hawken School. I'm from Cleveland, Ohio, and now live in New York City with my wife and our four children. Connect with me on LinkedIn https://www.linkedin.com/in/jon-friedland-9831aa52/.

- 9/6/17

Outside Financial is here to help you get your car loan online – so you can save big Outside Financial is here for one reason: to help you get the right car loan for you. Don’t leave yourself vulnerable: you need to understand your options and arrange your car loan before you go to the […]