The invention of text messaging – and particularly, the widespread adoption of cellular data plans that allow for unlimited texting – has been a real boon for the honest and law-abiding citizen. Text messages, also known as Short Message Service (SMS), provide tremendous convenience for today’s busy people. They let us alert loved ones that

Few things in an American consumer’s life are as critical to their financial environment as their credit score – yet relatively few of us understand how the scores work, how the credit agencies calculate the scores, or even what number constitutes a “good” score. Let’s examine the credit score system and shine some light onto

If you have money in your savings account or on deposit in a share certificate with your Credit Union, you may qualify for a share pledge loan. These loans are beautifully simple: you use the money on deposit in your account as collateral for the loan you wish to take out from the Credit Union.

Creating a plan for managing finances is important at every stage of life. It is not always easy to implement and follow because unexpected expenses can crop up at any time, and job situations can change, especially when the economy takes a downturn. Financial guidance can assist you in changing your habits by offering various

Many people have set goals for their retirement. Others don’t even want to think about it. It is important to consider what sources of income and savings will be available when planning for retirement. Building a money reserve is one of the most important aspects of this planning process. Experts advise people to start as

Every year millions of people in the United States are affected by identity theft. Credit cards, social security numbers, and bank account numbers are the most commonly compromised forms of personal information. Thieves can change the billing address on a credit card account, make charges to it, and run up bills which they will not

Obtaining a loan is often one of the most important steps in purchasing a vehicle. The main issues can be navigating the process of getting the loan and finding one that can be paid off with manageable interest rates. Finance a vehicle with Wayne Westland Federal Credit Union, and you’ll find at least 10 reasons

If you fall into a typical income bracket, then most likely you have a limited amount of money to spend. Budgeting can be a challenge, and unanticipated expenses can regularly come up, tacking onto rent, car payments, and other financial obligations most people have. What you have left of your income for spending can be

Just about every aspect of financial affairs involves some form of a paper document. From monthly statements to contracts and agreements to paper checks, vast amounts of paper need to be manufactured, transported, and disposed of. All of this paper has a significant impact on the environment. The volume of paper produced does mean more

There are many benefits to a Credit Union. One of these is e-statements. Instead of waiting for a statement to come in the mail every month, you can log in to a website any time to see an electronic copy of your statement, to easily track and manage your account. This is usually a service