6 Tips for Financial Planning in your 40s

July 30th, 2015

If you’re in your 40s, you could be considered either a late baby boomer or a member of Generation X. Either way, you’re at a time in your life when you’re putting youth aside and should be doing some financial planning for your future and your family’s future. A dilemma faced by people in their

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7 Simple Ways to Improve your Credit Score

July 20th, 2015

Need to boost your credit score? Unfortunately, a credit score isn’t like a race car, where you can rev the engine and almost instantly feel the result. Credit scores are more like your driving record: They take into account years of past behavior, not just your present actions. In addition to making the right moves,

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5 Tips to Get the Best Deal on a Car Loan

July 20th, 2015

More Americans are struggling to make their car payments on time. The numbers, while still low, are definitely on the rise. According to the latest State of the Automotive Finance Market report from Experian Automotive: 60-day loan delinquencies in the second quarter of 2014 increased by 7 percent (from 0.58 to 0.62 percent) from the

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20 Tips for a Successful Business-Loan Application

July 8th, 2015

When you apply for a business loan the lender will almost always present you with a loan application form to fill out. But there are numerous other factors that will determine whether you are successful, so make sure you pay attention to the following tips. Believe it or not it’s also a great way to

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Beginner’s Guide to Managing your Money

June 29th, 2015

Setting up a budget If you want to get on top of your finances, a budget is a really good way to start. It’s just a record of money you have coming in (from things like your salary or wages, pensions or benefits) andpayments that you make (such as your rent or mortgage, insurance and Council

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4 Core Life Insurance Tips

June 26th, 2015

Buying life insurance for the first time can be overwhelming. You’ll run into a lot of terms that you may not understand at first. The good news is those terms are not very difficult to figure out once you do a little research. These tips are designed to help you create an organized approach toward

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Tips on Homeowners Insurance

June 15th, 2015

1. You’re a statistic. To an insurer, you’re not a person; you’re a set of risks. An insurer bases its premium (or its decision to insure you at all) on your “risk factors,” including your occupation, who you are, what you own, and how you live. 2. Know your home’s value. Before you choose a

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Home Banking – Banking Services From Our Home

June 8th, 2015

Home banking refers to a facility in which you can have a virtual banking branch where you can supervise and be in control of your funds. You can enjoy this service round the clock, on every day of week absolutely free. The major advantage of this is that you do not have to even move

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When (And When Not) To Refinance Your Mortgage

June 3rd, 2015

Refinancing a mortgage means paying off an existing loan and replacing it with a new one. There are many common reasons why homeowners refinance: The opportunity to obtain a lower interest rate; the chance to shorten the term of their mortgage; the desire to convert from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or

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What Is a Share Pledge Loan?

May 26th, 2015

A share pledge loan is a type of personal loan available only from a credit union. For an individual with a credit union banking relationship, this type of loan can be a low-cost way to borrow some money. Different credit unions will apply different terms to share pledge loans. Credit Union Accounts Credit unions use

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