by OTMS Manager | Dec 2, 2025 | Blog
Buying a car is one of the biggest financial decisions most people make. As prices continue increasing, it pays to shop smart. Here are practical ways to cut costs and drive away with a deal. 1. Do Your Homework Before you set foot on a car lot, research the make and...
by OTMS Manager | Dec 2, 2025 | Blog
Your credit report plays an important role in your financial life. It is the first place lenders look when you apply for a loan. Renters, auto insurance companies and sometimes cell phone providers and utility companies also review your credit report before deciding...
by OTMS Manager | Oct 6, 2025 | Blog
Overpayment scams are on the rise, and they can leave victims thousands of dollars in debt. The setup usually looks harmless: someone sends you a check for more than the agreed amount, asks you to forward the difference and disappears once the check bounces. Below are...
by OTMS Staff | Aug 5, 2025 | Blog
Student loans can feel like free money—until they don’t. If you’re still in school or recently graduated, it’s important to understand how interest works before you’re hit with sticker shock. Most federal student loans begin accruing interest the...
by OTMS Staff | Jul 7, 2025 | Blog
Planning a getaway should be exciting—but scammers are banking on that excitement to catch you off guard. Here are a few common travel scams and how to steer clear of them: Phony Booking Sites Fake websites or pop-ups mimic popular booking platforms. You think you’ve...
by OTMS Staff | Jun 16, 2025 | Blog
Elder financial abuse is a growing problem in our country. Sometimes it is committed by people the victim knows, like a family member or a caregiver. Other times, strangers are running scams to steal money from the elderly. It is estimated that elderly Americans lose...
