Latest News https://wwfcu.org/blog/?p=2290 https://wwfcu.org/blog/do-you-know-the-difference-between-being-pre-approved-and-pre-qualified-for-a-home-loan/ Home Loans Do You Know the Difference Between Being Pre-approved and Pre-qualified for a Home Loan? Although the terms sound interchangeable, they represent two different stages in the home loan application process. If you begin looking at houses when you are pre-approved but not pre-qualified, you could fall for a house you can’t truly afford, or you’ll lose out to another buyer who is further along in the mortgage and buying Wed, 18 Jul 2018 13:37:59 Z WWFCU <p>Although the terms sound interchangeable, they represent two different stages in the home loan application process. If you begin looking at houses when you are pre-approved but not pre-qualified, you could fall for a house you can’t truly afford, or you’ll lose out to another buyer who is further along in the mortgage and buying process. Save yourself time, energy, and heartache by reading up on the two processes and taking the time to research the best deal from lenders.</p> <p><strong>Pre-qualified</strong></p> <p>Getting pre-qualified by a lender is the first step in the mortgage process. You can approach multiple lenders to learn about their mortgage options, what they recommend for your situation, and how much they will pre-qualify you for. The process can be done in person, over the phone, or on the Internet—for free, usually. All the lender will need is your overall financial standing, including your debt, income, and assets. At this time, the lender will take your word on these numbers and will not conduct an analysis—or hard inquiry—of your credit report or ability to purchase a home.</p> <p>Because pre-qualification for a home loan is based only on the financial information you provide to the lender, and not based on a full credit report and pay stub evidence, your pre-qualified loan amount is not guaranteed. It is an amount you might expect to be approved for.</p> <p>This is why being a pre-qualified buyer doesn&#8217;t carry the same weight as being a pre-approved buyer, who has been more thoroughly investigated, when it comes time to put an offer on a house.</p> <p><strong>Pre-approved</strong></p> <p>After pre-qualification and selecting your home loan lender, you’re ready to complete an official mortgage application (usually for a small application fee) and become pre-approved. As part of the application, your lender will conduct an extensive and thorough investigation on your financial background and current credit score. They may also require past pay-stubs or further proof of income, especially if you’re self-employed. With this information, they can give you an exact approved mortgage amount, as well as an interest rate on the loan.</p> <p>With your pre-approval, you’ll receive a conditional commitment for the loan amount. This allows you to look for a home you can realistically afford. And it puts you another step closer to obtaining an actual mortgage. When you find the right house for you, you&#8217;ll fill in the appropriate details—like price of house and address—and your pre-approval will become a complete application.</p> <p>Following the process of pre-qualification and then pre-approval before you begin looking at houses ensures you don’t waste time looking at houses you can’t afford.</p> <p>Original Source: http://lmcu.frc.finresourcecenter.com/House__Home_78904.html?article_id=2653</p> 2018-07-18 13:37 +00:00 2018-07-18 08:37 -05:00 https://wwfcu.org/blog/?p=2284 https://wwfcu.org/blog/short-term-pain-long-term-gain-new-atms-coming-soon-to-wwfcu/ ATM atm renovation Short-Term Pain. Long-Term Gain. New ATMs Coming Soon to WWFCU! WWFCU knows how convenient it is to use an ATM. And we understand how frustrating it is if your regular ATM isn’t working. With that in mind, we have some good news and some bad news for you. The good news is we’re replacing the ATMs next to our branch with sleek, new ones and Tue, 17 Jul 2018 14:43:00 Z Amy Neale <p>WWFCU knows how convenient it is to use an ATM. And we understand how frustrating it is if your regular ATM isn’t working. With that in mind, we have some good news and some bad news for you.</p> <p>The good news is we’re replacing the ATMs next to our branch with sleek, new ones and redoing the ATM driveway. The bad news is this ATM replacement means you’ll be without those ATMs for a few weeks starting the week of August 13.</p> <p><strong>Alternative Locations</strong></p> <p>We are sorry for the temporary inconvenience. While our ATMs are being replaced, you can visit our other ATM locations:</p> <ul> <li><strong>Westland Police Department – Lobby</strong><br /> 36701 Ford Road</li> <li>Corner of Sims Street and Second Avenue in Wayne</li> <li><a href="https://co-opcreditunions.org/locator/?ref=co-opatm.org&amp;sc=1">Click here</a> to find a fee-free ATM near you</li> <li>You’re always welcome to come into our branch for your transactions too!</li> </ul> <p>WWFCU thanks you for your patience during this short-term renovation. We promise the long-term benefits of having new ATMs will be worth the wait!</p> <p><strong>Contact a WWFCU Member Service Representative with any questions: (734) 721-5700. </strong></p> 2018-07-17 14:43 +00:00 2018-07-17 09:43 -05:00 https://wwfcu.org/blog/?p=2277 https://wwfcu.org/blog/wwfcu-is-now-open-wednesdays/ Credit Unions Wonderful Wednesdays WWFCU is Now Open Wednesdays &#160; You asked – we listened. Starting July 11th, Wayne Westland Federal Credit Union will be open Wednesdays to better meet your financial needs. To celebrate, we’re launching a month of Wonderful Wednesdays: Welcome Wednesday– July 11 Visit us during our branch lobby hours to get some fun WWFCU freebies. The first 20 members in Mon, 09 Jul 2018 13:01:03 Z Amy Neale <p>&nbsp;</p> <p>You asked – we listened. Starting July 11<sup>th</sup>, Wayne Westland Federal Credit Union will be open Wednesdays to better meet your financial needs.</p> <p>To celebrate, we’re launching a month of <strong>Wonderful Wednesdays</strong>:</p> <ul> <li><strong>Welcome Wednesday</strong><strong>– July 11</strong><br /> Visit us during our branch lobby hours to get some fun WWFCU freebies. The first 20 members in the door get a free t-shirt.</li> <li><strong>Wealthy Wednesday</strong><strong>– July 18 </strong><br /> From personal money management to debt counseling, our Partner GreenPath will be in our branch to help WWFCU members for FREE from 10:00 a.m. to 2:00 p.m.</li> <li><strong>Getaway Wednesday</strong><strong>– July 25</strong><br /> Looking for a little summer fun? Stop by to enter a raffle to win a pair of Cedar Point tickets. We’ll be giving away two pairs to members.</li> <li><strong>Wishful Wednesday</strong><strong>– August 1</strong><br /> Help WWFCU raise donations for the <a href="http://www.csswayne.org/main">Community Social Services of Wayne County</a>, and the credit union is matching donations.</li> </ul> <p><strong>Join us for a month of Wonderful Wednesdays that will be full of prizes, surprises and giving back to the community we’re proud to have served for over 60 years.  </strong></p> <p><strong>#Wednesdays4U</strong></p> 2018-07-09 13:01 +00:00 2018-07-09 08:01 -05:00 https://wwfcu.org/blog/?p=2270 https://wwfcu.org/blog/your-credit-score-dropped-after-you-paid-off-a-loan-what-happened/ Credit Report Your Credit Score Dropped After You Paid off a Loan. What Happened? Your credit score goes up when you show that you’re financially trustworthy. One day you pay off a loan and notice that your score drops. Shouldn’t your credit score have jumped up, instead? To understand what’s happening, take a look at how credit scores are calculated: Credit Reports and Scores The three credit reporting agencies, Tue, 26 Jun 2018 19:31:35 Z WWFCU <p>Your credit score goes up when you show that you’re financially trustworthy. One day you pay off a loan and notice that your score drops. Shouldn’t your credit score have jumped up, instead? To understand what’s happening, take a look at how credit scores are calculated:</p> <p><strong>Credit Reports and Scores</strong></p> <p>The three credit reporting agencies, Equifax, Experian, and TransUnion, all collect and report information about your credit history. When a lender considers your trustworthiness, they order a report from each agency. In addition, they order a credit score. A credit score is a number that summarizes all the information in your report to expedite the approval process.</p> <p>Fair Issac Corporation (FICO) is the go-to score calculator for 90 percent of lenders. (VantageScore is also used, but it’s much less common.) FICO provides a number of different models and scoring methods that are each used by lenders in different sectors. The most commonly used method is FICO Score 8.</p> <p><strong>Components of a FICO Score</strong></p> <p>There are five components to a FICO score:</p> <ul> <li>Payment History</li> <li>Amounts Owed</li> <li>New Credit</li> <li>Length of Credit History</li> <li>Credit Mix</li> </ul> <p>Each of these components weighs different sub-factors. To answer our initial question about how a paid off loan can make your credit score drop, we need to look in the Amounts Owed and Credit Mix categories.</p> <p>Credit Mix analyzes how well you employ the two “kinds” of credit available to consumers: revolving and installment. Revolving credit refers to credit cards, where you borrow and repay frequently. Installment credit refers to larger loans that you pay back over time, like auto loans. If you only have one or the other, your Credit Mix score drops. Having “open” installment credit, like a loan you are still paying off, will give you more points here than a loan completely repaid.</p> <p>Amounts Owed is where it gets tricky. Part of this component is often referred to as “utilization,” which is the ratio of how much of your available credit you’re using. For installment credit, it’s calculated as what you currently owe on installment loans, divided by the amount you borrowed. For example, if you took out a loan for $5,000 and still owe $4,000, your ratio is 4/5 and you won’t get many points. However, if you only owe $500, your score will go up. The kicker: “utilization” only counts when you’re “utilizing.” If the loan is paid off and the account is closed, you won’t receive any points here.</p> <p><strong>Still Seems Odd, Huh?</strong></p> <p>Even with that explanation, it’s still counterintuitive that a repaid loan isn’t worth as many points as a loan that’s almost paid off. However, if you’re paying off your credit cards and you just paid off a loan, your credit is probably in the 700s or high 600s, which is good! Think of it like this: which car would you trust more? One that ran well a week ago, or one that’s running well today? The car that ran a week ago, you assume is still good, but the car that drives well today you know is great. That’s how the score looks at your payment history: if you’re currently making payments on loans and credit cards, you’re a safe bet with a higher score.</p> <p><strong>Do You Need to Do Anything to Raise Your Score?</strong></p> <p>Before you rush out to take on a new loan so you can “be the car that’s running today,” consider that there are other types of FICO scores. In mortgage lending, FICO Scores 2, 5, and 4 are used instead of FICO Score 8. A lender may also look at your VantageScore, which is calculated similarly. Don’t pay interest on a loan you don’t need just to max out your score—credit isn’t a video game.</p> <p>If you’re still left with questions, now is a great time to dig into your free credit reports from federally authorized annualcreditreport.com!</p> <p>Original Source: http://lmcu.frc.finresourcecenter.com/Loan__Credit_Management_78913.html?article_id=2517</p> 2018-06-26 19:31 +00:00 2018-06-26 14:31 -05:00 https://wwfcu.org/blog/?p=2258 https://wwfcu.org/blog/get-more-money-in-your-pocket/ Member Discount LMCU sprint TurboTax Get More Money in Your Pocket More money in your pocket, thanks to WWFCU and Love My Credit Union® Rewards.  Saving on the products and services you need and use every day is easy with Love My Credit Union Rewards. As a WWFCU member, you can get discounts and rewards that include: A $100 cash reward for each new line you activate, up to three Mon, 11 Jun 2018 14:59:20 Z Amy Neale <h3><strong>More money in your pocket, thanks to </strong><strong>WWFCU </strong><strong>and Love My Credit Union<b><sup>®</sup></b> Rewards.</strong><strong> </strong></h3> <p>Saving on the products and services you need and use every day is easy with Love My Credit Union Rewards. As a WWFCU member, you can get discounts and rewards that include:</p> <ul> <li>A<strong> $100 </strong>cash reward for <strong>each new line </strong>you activate, up to three lines. Plus, get a <strong>$50 </strong>cash reward <strong>every year </strong>for as long as you&#8217;re a Sprint customer.*</li> <li><strong>Up to $15 off </strong><strong>TurboTax<b><sup>®</sup></b> </strong>federal products!</li> <li>An <strong>exclusive smoke communicator </strong>and a <strong>$100 gift card</strong>with a new <strong>ADT<b><sup>®</sup></b></strong> monitored home security system. You must call 844-703-0123 to receive this special offer through the Love My Credit Union Rewards Program.</li> <li>Trusted protection at <strong>true savings </strong>with the <strong>TruStage<b><sup>®</sup></b> Auto &amp; Home Insurance Program</strong>.</li> <li><strong>Cash back </strong>at over 1,500 online retailers with <strong>Love to Shop.</strong></li> </ul> <p><strong>Sign up now and join the credit union members who have saved nearly $2 billion in discounts. </strong><br /> <strong>Visit <a href="http://www.wwfcu.org">wwfcu.org</a> or <a href="http://www.lovemycreditunion.org/">LoveMyCreditUnion.org</a> today!</strong></p> <p>&nbsp;</p> <p><a href="http://www.lovemycreditunion.org"><img class="alignnone wp-image-2260" src="https://wwfcu.org/blog/wp-content/uploads/2018/06/LMCU-1024x290.png" alt="" width="540" height="141" /></a></p> <p><span style="border-top-left-radius: 2px; border-top-right-radius: 2px; border-bottom-right-radius: 2px; border-bottom-left-radius: 2px; text-indent: 20px; 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background-size: 14px 14px; background-color: #bd081c; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer; border: none; -webkit-font-smoothing: antialiased; background-position: 3px 50%; background-repeat: no-repeat no-repeat;">Save</span><span style="border-top-left-radius: 2px; border-top-right-radius: 2px; border-bottom-right-radius: 2px; border-bottom-left-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font-style: normal; font-variant-caps: normal; font-weight: bold; font-stretch: normal; font-size: 11px; line-height: 20px; font-family: 'Helvetica Neue', Helvetica, sans-serif; color: #ffffff; background-image: url(data:image/svg+xml; base64,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); background-size: 14px 14px; background-color: #bd081c; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer; border: none; -webkit-font-smoothing: antialiased; background-position: 3px 50%; background-repeat: no-repeat no-repeat;">Save</span></p> <p><span style="border-top-left-radius: 2px; border-top-right-radius: 2px; border-bottom-right-radius: 2px; border-bottom-left-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font-style: normal; font-variant-caps: normal; font-weight: bold; font-stretch: normal; font-size: 11px; line-height: 20px; font-family: 'Helvetica Neue', Helvetica, sans-serif; color: #ffffff; background-image: url(data:image/svg+xml; base64,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); background-size: 14px 14px; background-color: #bd081c; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer; border: none; -webkit-font-smoothing: antialiased; background-position: 3px 50%; background-repeat: no-repeat no-repeat;">Save</span><span style="border-top-left-radius: 2px; border-top-right-radius: 2px; border-bottom-right-radius: 2px; border-bottom-left-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font-style: normal; font-variant-caps: normal; font-weight: bold; font-stretch: normal; font-size: 11px; line-height: 20px; font-family: 'Helvetica Neue', Helvetica, sans-serif; color: #ffffff; background-image: url(data:image/svg+xml; base64,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); background-size: 14px 14px; background-color: #bd081c; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer; border: none; -webkit-font-smoothing: antialiased; background-position: 3px 50%; background-repeat: no-repeat no-repeat;">Save</span></p> <p><span style="border-top-left-radius: 2px; border-top-right-radius: 2px; border-bottom-right-radius: 2px; border-bottom-left-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font-style: normal; font-variant-caps: normal; font-weight: bold; font-stretch: normal; font-size: 11px; line-height: 20px; font-family: 'Helvetica Neue', Helvetica, sans-serif; color: #ffffff; background-image: url(data:image/svg+xml; base64,phn2zyb4bwxucz0iahr0cdovl3d3dy53my5vcmcvmjawmc9zdmciighlawdodd0imzbwecigd2lkdgg9ijmwchgiihzpzxdcb3g9ii0xic0xidmxidmxij48zz48cgf0acbkpsjnmjkundq5lde0ljy2mibdmjkundq5ldiyljcymiaymi44njgsmjkumju2ide0ljc1ldi5lji1nibdni42mzismjkumju2idaumduxldiyljcymiawlja1mswxnc42njigqzaumduxldyunjaxidyunjmyldaumdy3ide0ljc1ldaumdy3iemymi44njgsmc4wnjcgmjkundq5ldyunjaxidi5ljq0oswxnc42njiiigzpbgw9iinmzmyiihn0cm9rzt0ii2zmziigc3ryb2tllxdpzhropsixij48l3bhdgg+phbhdgggzd0itte0ljczmywxljy4nibdny41mtysms42odygms42njusny40otugms42njusmtqunjyyiemxljy2nswymc4xntkgns4xmdksmjquodu0idkuotcsmjyunzq0iem5ljg1niwyns43mtggos43ntmsmjqumtqzidewljaxniwymy4wmjigqzewlji1mywymi4wmsaxms41ndgsmtyuntcyidexlju0ocwxni41nzigqzexlju0ocwxni41nzigmteumtu3lde1ljc5nsaxms4xntcsmtqunjq2iemxms4xntcsmtiuodqyideyljixmswxms40otugmtmuntiyldexljq5nsbdmtqunjm3ldexljq5nsaxns4xnzusmtiumzi2ide1lje3nswxmy4zmjmgqze1lje3nswxnc40mzygmtqundyylde2ljegmtqumdkzlde3ljy0mybdmtmunzg1lde4ljkznsaxnc43ndusmtkuotg4ide2ljayocwxos45odggqze4ljm1mswxos45odggmjaumtm2lde3lju1niaymc4xmzysmtqumdq2iemymc4xmzysmtauotm5ide3ljg4ocw4ljc2nyaxnc42nzgsoc43njcgqzewljk1osw4ljc2nya4ljc3nywxms41mzygoc43nzcsmtqumzk4iem4ljc3nywxns41mtmgos4ymswxni43mdkgos43ndksmtcumzu5iem5ljg1niwxny40odggos44nzismtcunia5ljg0lde3ljczmsbdos43ndesmtgumtqxidkuntismtkumdizidkundc3lde5ljiwmybdos40miwxos40nca5lji4ocwxos40otegos4wncwxos4znzygqzcunda4lde4ljyymia2ljm4nywxni4yntigni4zodcsmtqumzq5iem2ljm4nywxmc4yntygos4zodmsni40otcgmtuumdiyldyundk3iemxos41ntusni40otcgmjmumdc4ldkunza1idizlja3ocwxmy45otegqzizlja3ocwxoc40njmgmjaumjm5ldiylja2miaxni4yotcsmjiumdyyiemxnc45nzmsmjiumdyyidezljcyocwyms4znzkgmtmumzayldiwlju3mibdmtmumzayldiwlju3miaxmi42ndcsmjmumdugmtiundg4ldizljy1nybdmtiumtkzldi0ljc4ncaxms4zotysmjyumtk2idewljg2mywyny4wntggqzeylja4niwyny40mzqgmtmumzg2ldi3ljyznyaxnc43mzmsmjcunjm3iemyms45nswyny42mzcgmjcuodaxldixljgyocayny44mdesmtqunjyyiemyny44mdesny40otugmjeuotusms42odygmtqunzmzldeunjg2iibmawxspsijymqwodfjij48l3bhdgg+pc9npjwvc3znpg==); background-size: 14px 14px; background-color: #bd081c; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer; border: none; -webkit-font-smoothing: antialiased; background-position: 3px 50%; background-repeat: no-repeat no-repeat;">Save</span><span style="border-top-left-radius: 2px; border-top-right-radius: 2px; border-bottom-right-radius: 2px; border-bottom-left-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font-style: normal; font-variant-caps: normal; font-weight: bold; font-stretch: normal; font-size: 11px; line-height: 20px; font-family: 'Helvetica Neue', Helvetica, sans-serif; color: #ffffff; background-image: url(data:image/svg+xml; base64,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); background-size: 14px 14px; background-color: #bd081c; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer; border: none; -webkit-font-smoothing: antialiased; background-position: 3px 50%; background-repeat: no-repeat no-repeat;">Save</span></p> <p><span style="border-top-left-radius: 2px; border-top-right-radius: 2px; border-bottom-right-radius: 2px; border-bottom-left-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font-style: normal; font-variant-caps: normal; font-weight: bold; font-stretch: normal; font-size: 11px; line-height: 20px; font-family: 'Helvetica Neue', Helvetica, sans-serif; color: #ffffff; background-image: url(data:image/svg+xml; base64,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); background-size: 14px 14px; background-color: #bd081c; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer; border: none; -webkit-font-smoothing: antialiased; background-position: 3px 50%; background-repeat: no-repeat no-repeat;">Save</span><span style="border-top-left-radius: 2px; border-top-right-radius: 2px; border-bottom-right-radius: 2px; border-bottom-left-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font-style: normal; font-variant-caps: normal; font-weight: bold; font-stretch: normal; font-size: 11px; line-height: 20px; font-family: 'Helvetica Neue', Helvetica, sans-serif; color: #ffffff; background-image: url(data:image/svg+xml; base64,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); background-size: 14px 14px; background-color: #bd081c; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer; border: none; -webkit-font-smoothing: antialiased; background-position: 3px 50%; background-repeat: no-repeat no-repeat;">Save</span></p> <p><span style="border-top-left-radius: 2px; border-top-right-radius: 2px; border-bottom-right-radius: 2px; border-bottom-left-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font-style: normal; font-variant-caps: normal; font-weight: bold; font-stretch: normal; font-size: 11px; line-height: 20px; font-family: 'Helvetica Neue', Helvetica, sans-serif; color: #ffffff; background-image: url(data:image/svg+xml; base64,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); background-size: 14px 14px; background-color: #bd081c; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer; border: none; -webkit-font-smoothing: antialiased; background-position: 3px 50%; background-repeat: no-repeat no-repeat;">Save</span><span style="border-top-left-radius: 2px; border-top-right-radius: 2px; border-bottom-right-radius: 2px; border-bottom-left-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font-style: normal; font-variant-caps: normal; font-weight: bold; font-stretch: normal; font-size: 11px; line-height: 20px; font-family: 'Helvetica Neue', Helvetica, sans-serif; color: #ffffff; background-image: url(data:image/svg+xml; base64,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); background-size: 14px 14px; background-color: #bd081c; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer; border: none; -webkit-font-smoothing: antialiased; background-position: 3px 50%; background-repeat: no-repeat no-repeat;">Save</span></p> 2018-06-11 14:59 +00:00 2018-06-11 09:59 -05:00 https://wwfcu.org/blog/?p=2253 https://wwfcu.org/blog/sweat-equity-investing-in-your-home/ Home Equity Loans Sweat Equity: Investing in Your Home In terms of real estate, “sweat equity” is understood as value-enhancing improvements made by homeowners. These improvements might be made to increase the immediate value of the home for re-sale, or to increase the usability, enjoyability, and value of the home to the owners as they live there. Investing sweat equity into a home is Thu, 17 May 2018 13:31:13 Z Dan DeRoeck <p>In terms of real estate, “sweat equity” is understood as value-enhancing improvements made by homeowners. These improvements might be made to increase the immediate value of the home for re-sale, or to increase the usability, enjoyability, and value of the home to the owners as they live there.</p> <p>Investing sweat equity into a home is a great option for anyone who can’t afford a more updated, expensive home but has the time and know-how, or willingness to learn, to make value-added improvements.</p> <p>Does this mean you need to take out a large loan to upgrade your kitchen to match the sprawling houses of the rich and famous? Not at all! Simple, lower-cost but high-effort improvements offer the highest return on investment. In fact, investing in the wrong types of renovations might even devalue your home to prospective buyers. So, before you grab a hammer or paint brush and max out your credit card at the home improvement store, here’s how and where you’re most likely to add value to your home.</p> <p><strong>Projects that add the most value:</strong></p> <ul> <li>Updating kitchen and bathrooms (painting cupboards, resurfacing counter tops, installing stainless steel appliances)</li> <li>Replacing or power washing exterior siding</li> <li>Updating interior paint</li> <li>Rejuvenating landscaping</li> <li>Updating/Installing trim and crown molding</li> <li>Refinishing/Replacing flooring (to higher-quality materials)</li> <li>Installing/Updating light fixtures and ceiling fans</li> </ul> <p>Less-profitable and possibly value-damaging projects have one of three flaws: they’re expensive, they focus on a space not used every day, or they reflect too much of the owners’ personal taste (think unusual or extravagant fixtures, finishes, paint colors, hobby spaces, etc.).</p> <p><strong>Projects not guaranteed to add value:</strong></p> <ul> <li>Converting part or all of the garage into a family room or hobby space</li> <li>Turning a spare bedroom into a home office</li> <li>Screening in an outdoor room</li> <li>Conducting a deluxe upgrade in anything but an upscale home</li> </ul> <p>In addition to adding value to a home, sweat equity can empower homeowners and make them more knowledgeable about their house and how best to maintain its value in the long-term.</p> <p>Original Source: http://lmcu.frc.finresourcecenter.com/House__Home_78904.html?article_id=2581</p> 2018-05-17 13:31 +00:00 2018-05-17 08:31 -05:00 https://wwfcu.org/blog/?p=2244 https://wwfcu.org/blog/apple-pay-now-here-for-wwfcu-visa/ Financial Services Apple Pay Now Here for WWFCU Visa &#160; Wayne Westland Federal Credit Union now offers its members two ways to use Apple Pay. We announced a few weeks ago that we had Apple Pay for our MasterCard Debit Card. As of today, you can now use Apple Pay with your WWFCU Visa Credit Card as well! Here are the perks of Apple Tue, 15 May 2018 11:29:10 Z Amy Neale <p>&nbsp;</p> <table class="galileo-ap-layout-editor" border="0" width="100%" cellspacing="0" cellpadding="0"> <tbody> <tr> <td class="content editor-col OneColumnMobile" align="left" valign="top" width="100%"> <div class="gl-contains-text"> <table border="0" width="100%" cellspacing="0" cellpadding="0"> <tbody> <tr> <td class="editor-text content-text" align="left" valign="top"> <div class="text-container galileo-ap-content-editor"> <div> <p>Wayne Westland Federal Credit Union now offers its members two ways to use Apple Pay.</p> <p>We announced a few weeks ago that we had Apple Pay for our MasterCard Debit Card. As of today, you can now use Apple Pay with your WWFCU Visa Credit Card as well!</p> <p><b>Here are the perks of Apple Pay:</b></p> <ul> <li>It’s accepted at <a href="https://www.apple.com/apple-pay/where-to-use/">millions of stores, restaurants and online retailers</a></li> <li>Payments are secure and easy</li> <li>Use it to send and receive money from friends and family</li> </ul> <p>To see if a retailer accepts Apple Pay, just look for these symbols:<span style="font-family: inherit; font-size: inherit;"> </span></p> </div> </div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> <table class="galileo-ap-layout-editor" border="0" width="100%" cellspacing="0" cellpadding="0"> <tbody> <tr> <td class=" editor-col OneColumnMobile" align="" valign="top" width="100%"> <div class="gl-contains-image"> <table class="editor-image editor-image editor-image-vspace-on" border="0" width="100%" cellspacing="0" cellpadding="0"> <tbody> <tr> <td align="center" valign="top"> <div class="publish-container"><img class="alignleft ae-img" src="http://files.constantcontact.com/7ae9ad08001/eb21a0c1-0057-4687-801a-ef49b64725d2.png" alt="" width="436" border="0" hspace="0" vspace="0" /></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> <table class="galileo-ap-layout-editor" border="0" width="100%" cellspacing="0" cellpadding="0"> <tbody> <tr> <td class=" editor-col OneColumnMobile" align="" valign="top" width="100%"> <div class="gl-contains-text"> <table border="0" width="1133" cellspacing="0" cellpadding="0"> <tbody> <tr> <td class="editor-text editor-text " align="left" valign="top"> <div>We’ll need to verify your account during the wallet set up process.<br /> <a href="https://support.apple.com/en-us/HT204506" target="_blank" rel="noopener" data-aesra-score="linkNewWindowWarning:1;">Click here to see how to add your WWFCU MasterCard Debit Card to your Apple Pay Wallet</a>.</div> <div class="text-container galileo-ap-content-editor"> <div></div> <div></div> </div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> <table class="galileo-ap-layout-editor" border="0" width="100%" cellspacing="0" cellpadding="0"> <tbody> <tr> <td class=" editor-col OneColumnMobile" align="" valign="top" width="100%"> <div class="gl-contains-divider"> <table class="editor-divider" border="0" width="100%" cellspacing="0" cellpadding="0"> <tbody> <tr> <td class="" align="center" valign="top"> <table class="galileo-ap-content-editor" width="100%"> <tbody> <tr> <td class="divider-base divider-solid" align="center" valign="top" width="100%"><strong><br /> Feel free to contact a WWFCU Member Service Representative at (734) 721-5700<br /> or stop by our branch for assistance setting up Apple Pay.</strong></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> <table class="galileo-ap-layout-editor layout-tools-hover" border="0" width="100%" cellspacing="0" cellpadding="0"> <tbody> <tr> <td class=" editor-col OneColumnMobile" align="" valign="top" bgcolor="rgb(255, 255, 255)" width="100%"> <div class="gl-contains-text"> <table border="0" width="100%" cellspacing="0" cellpadding="0"> <tbody> <tr> <td class="editor-text editor-text " align="left" valign="top"> <div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> 2018-05-15 11:29 +00:00 2018-05-15 06:29 -05:00 https://wwfcu.org/blog/?p=2231 https://wwfcu.org/blog/buying-a-home-or-refinancing-soon-read-this-first/ Home Loans Mortgage Buying a Home or Refinancing Soon? Read This First The housing marketing has been a bit of a roller coaster ride over the past few years. While the ride has seemed to level off as of late, many homeowners or potential homeowners are waiting to see what happens. We’ve got some good news for you – 2018 is a great time to do either: Wed, 02 May 2018 14:06:25 Z Amy Neale <p>The housing marketing has been a bit of a roller coaster ride over the past few years. While the ride has seemed to level off as of late, many homeowners or potential homeowners are waiting to see what happens.</p> <p>We’ve got some good news for you – 2018 is a great time to do either: refinance or buy a home. Mortgage rates are on the cusp of rising, so you won’t want to wait too long to lock in your low rate at Wayne Westland Federal Credit Union. Also, Realtor.com predicts that the home inventory is increasing, so there will be more homes to choose from if you’re in the market. Finally, keep in mind that credit unions have lower loan rates, on average, than a typical bank.</p> <h3><strong>Lobby Days</strong></h3> <p>Whether refinancing or a new home is in your future, chances are you’ve got some questions. That’s why we’ve teamed with the home loan experts at Mortgage Center for Lobby Days. Stop by the Wayne Westland Federal Credit Union branch for <strong>Lobby Days on Friday, May 18 between 1:00 and 4:00 p.m.</strong>to speak to Mortgage Center representative Sandra Qasguargis. She’ll be there to answer your mortgage questions and help find the right mortgage solution for you.</p> <p><strong>If you have any mortgage questions before then (or after!), please call a WWFCU Member Service Representative at (734) 721-5700.</strong></p> 2018-05-02 14:06 +00:00 2018-05-02 09:06 -05:00 https://wwfcu.org/blog/?p=2223 https://wwfcu.org/blog/can-small-businesses-afford-not-to-accept-credit-cards/ Business Credit Cards Can Small Businesses Afford Not to Accept Credit Cards? It’s probably no surprise that two thirds of shoppers prefer to use credit cards over cash on a day-to-day basis. For consumers, there are usually secondary benefits to using a credit card—they get airline miles or cash back—and there is often less risk in using credit cards—if cash is stolen, it’s gone for good, but Wed, 25 Apr 2018 19:12:32 Z Dan DeRoeck <p>It’s probably no surprise that two thirds of shoppers prefer to use credit cards over cash on a day-to-day basis. For consumers, there are usually secondary benefits to using a credit card—they get airline miles or cash back—and there is often less risk in using credit cards—if cash is stolen, it’s gone for good, but if a credit card is stolen, the consumer isn’t responsible for any fraudulent charges made.</p> <p>But what about the benefits and risks to small businesses of deciding to accept—or not accept—credit cards as a payment option? These days, the balance is tipping more and more in favor of the pros than the cons, especially with the dropping cost of all-in-one card processing systems for even the tiniest of small businesses.</p> <p>A survey conducted by Intuit found that 83 percent of small businesses that accepted credit cards saw an increase in sales. For those accepting credit cards, fifty-two percent made at least $1,000 more a month, and 18 percent made at least $20,000 more a month. In addition to these convincing numbers, accepting credit cards keeps a business in touch with customer’s spending habits and expectations. Consider these benefits of allowing customers to swipe at check-out.</p> <p><strong>Benefits</strong></p> <ul> <li>Customers are more likely to spend more money when using credit cards, according to many behavioral economics studies.</li> <li>Customers are more likely to make impulse buys if they can use a credit card.</li> <li>By 2011, the combined use of debit, credit, and gift cards surpassed cash.</li> <li>Most customers expect to be able to pay with a credit card; failing to meet this expectation could turn away potential business from them.</li> <li>Credit cards enable customers to make larger purchases.</li> <li>Credit card processors offer faster deposits than accepting personal checks or sending out invoices.</li> <li>With transactions completed through an online terminal, accepting credit cards means fewer trips to the bank, fewer or no bounced checks, and fewer or no invoices to print, mail, and follow up on—which all means more time spent on growing the business!</li> <li>Processing more transactions with credit cards minimizes the amount of cash on-hand in registers, which can be a deterrent for robbers.</li> </ul> <p>Even with all of these benefits, small businesses do have some costs that come with accepting credit cards to consider.</p> <p><strong>Costs</strong></p> <ul> <li>There are fees for use of all-in-one processors and traditional merchant accounts, the two categories of credit card processing solutions for small businesses.</li> <li>A business will be responsible for chargebacks—the demand by a credit card company that a business pay for or make good the loss on a fraudulent or disputed transaction by a dissatisfied customer.</li> <li>If there is a fraudulent claim that initiates a chargeback, the card issuer can debit the merchant account without warning.</li> <li>Fraud liability comes with accepting credit cards. If a fraudulent charge occurs, the business will be out the product sold or shipped and possibly the money paid by the customer for the product due to a refund.</li> <li>There is a standard one- to two-day delay between the merchant account processor approving a transaction and the money deposited into the business bank account.</li> <li>Most processors charge a fee for processing refunds. Some processors, like PayPal, will refund some or all of the original transaction fee charged to the merchant, but many won’t.</li> <li>Some businesses do not wish to enable or participate in the credit card culture of consumer debt, and so refuse to accept payment via credit cards.</li> </ul> <p>For small businesses who believe accepting credit card payments would be beneficial, there are a variety of card processing solutions: all-in-one processing systems, traditional merchant services credit card processors, online payment systems, and processing for mobile sales. The most versatile for businesses making less than $30,000 per month is the all-in-one processing system.</p> <p>The two most popular all-in-one solutions are Square and PayPal, which accept and support all types of payments—in-store, mobile, and online—from one central, convenient account. They also have the simplest and most transparent fee structures.</p> <p>Square, for example, does not charge a monthly fee and merchants pay a flat 2.75% fee per transaction (credit or debit) in store and mobile sales, a 2.9% + $.30 fee per transaction for online transactions, and a 3.5% + $.15 fee per transaction for phone sales, invoices, and recurring payments. The reader equipment is also one of the most reasonable among all-in-one systems: in-store card readers or point of sales stations run $0–$500, their online ecommerce store and online virtual terminal are free, and their mobile card reader runs $0–$49.</p> <p>With 50 percent of shoppers routinely carrying $20 or less in their wallet, accepting credit card payments is becoming the standard for businesses of all sizes. A close study of a business’s current and potential customer base is the best way to decide if installing a credit card terminal should be the next move.</p> <p>Original Source: http://lmcu.frc.finresourcecenter.com/Small_Business_Services_78922.html?article_id=2591</p> 2018-04-25 19:12 +00:00 2018-04-25 14:12 -05:00 https://wwfcu.org/blog/?p=2218 https://wwfcu.org/blog/building-credit-teens-and-credit-cards/ Credit Cards Building Credit: Teens and Credit Cards If someone recommended getting your teenager a credit card, your first reaction might be to call them crazy. But maybe there’s something to it. Building good credit is a long and sometimes complicated process. Young adults ages 17 and 18 are signing off on five-digit student loans, young college students are looking to buy their Fri, 20 Apr 2018 20:41:11 Z Dan DeRoeck <p>If someone recommended getting your teenager a <a href="https://wwfcu.org/borrow/visa-card-application">credit card</a>, your first reaction might be to call them crazy. But maybe there’s something to it. Building good credit is a long and sometimes complicated process. Young adults ages 17 and 18 are signing off on five-digit student loans, young college students are looking to buy their first car with their first auto loan, and before you know it after graduation, the investment of buying a house is looming.</p> <p>But if credit isn’t established before applying for auto loans, mortgages, or other financing, it could make approval near impossible. You might have heard it before: many lenders would rather you had bad credit than no credit at all. Here’s how making your teen an authorized user on your credit card can help them out in the long run.<i></i></p> <p><strong>Benefits</strong></p> <ol> <li>Your teenager can inherit your credit score (check with your credit card on their reporting practices to make sure they report the account on the authorized user’s—your teen’s—credit report). Not only does this give them a head start in establishing a credit score, it also gives you another reason to keep your own score in tip-top shape! As an authorized user, your teen is not responsible for making payments, but if you make a late payment their credit history and score will suffer. On the flip side, if your teen overspends with the card, you may not be able to make your next payment, which is why a discussion about how and when to use the credit card is an important conversation!</li> <li>You can teach your teen how to use a credit card responsibly, how interest works, and how habits like delaying purchases and using a budget will help keep them out of credit card debt.</li> <li>By establishing a credit history as an authorized user of your card, your teen will be more likely to receive better interest rates for loans later in life or pre-approval offers from credit cards with better terms. And remember, establishing credit history is like establishing a verifiable identity in the world of credit and finance.</li> <li>Your teen will be covered on any additional insurance offered by the card company when they use the card to make certain purchases. For example, when using American Express to purchase plane tickets, you are automatically covered by additional life insurance and baggage loss policies. Other cards offer additional rental car insurance.</li> <li>A credit card gives your teen back-up access to funds in an emergency. They are also a safer form of currency in the event of theft as fraudulent charges are waived, but cash stolen is cash lost.</li> </ol> <p>There are some steps you can take to prepare your teen for the responsibility of using a credit card, whether their own if they’re 18 or as an authorized user of your credit card.</p> <p><strong>How to Prepare</strong></p> <ol> <li>Open a checking account with a debit card in their name at your credit union. This will help your teen track cash flow and understand that money is limited (when their account is empty, their card won’t work, just like hitting a credit limit). They will also need a checking account when they are ready for their own credit card.</li> <li>Start with pre-paid cards. Like a debit card, it sets a mind-set of limited supply: when the card runs out, you can’t overbuy your way into debt. It can also help you monitor their spending.</li> <li>Talk about how credit cards work. Explain interest rates, compound interest, principle, billing cycles, carrying over a balance from month to month, and the consequences of not paying a bill on time. Discuss how making minimum payments means paying more in the long run in interest, how debt adds up, and the importance of paying off the balance each month. Talk about the permanence of credit history, how a credit score is calculated, and how it impacts them throughout life. Don’t forget to talk about safe credit card use online.</li> <li>Decide from the beginning what types of charges your teen can put on the card. Then be sure to show them the balance each billing cycle, even if you’re making the payments and they only made acceptable purchases, so they understand how quickly the total adds up and what it would be like if they <i>did</i> have to pay it off. A good plan is to have them make regular, already-planned purchases on the card, like gas or groceries when they are out with you. If they make their own purchases with the card, just make sure they pay you back!</li> </ol> <p>Of course there are lots of things to consider before making the decision to give your teen a credit card. Every teen and family is different, so make the decision best for you.</p> <p>How credit cards work and how to use them wisely shouldn’t be a mystery—for anyone! Talking to teens about responsible credit card use is a great lesson in financial education and responsibility.</p> <p>Original Source: http://lmcu.frc.finresourcecenter.com/Loan__Credit_Management_78913.html?article_id=2537</p> 2018-04-20 20:41 +00:00 2018-04-20 15:41 -05:00