While you’re making your New Years’ resolutions, don’t forget to give your financial house an annual tune-up. As the old saying goes, an ounce of prevention is worth a pound of cure, and few adjustments now could save you thousands of dollars, not to mention some major headaches, in the months and years to come.

While Banks and Savings and Loan institutions nationwide have been busy lining up to the public trough for bailout funds, another institution has been busy writing home mortgages, your neighborhood credit union! Surprised? Don’t be, since credit unions have been writing home mortgages for years- they just have a different business model than the big

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Turn your Debit or Credit card on or off.  Set a location boundary where card can only be used.  Use the card for online purchases and then turn it off after orders are placed.  Restrict your card to work only with certain types of merchants.  Set spending limits.  Get instant alerts each time your card

What is a credit union? A credit union is a not-for-profit, cooperative financial institution that is owned and controlled by its members. Credit unions serve people that share something in common such as an employer or place of worship. Credit unions allow members to pool their savings, lend to one another, and have a voice

When it comes to retirement planning our clients have a number of different choices. Typically, they must decide between a tax deferred retirement plan or a Roth retirement plan. A tax deferred plan offers a tax deduction for contributions and then the money grows tax deferred. A Roth has no tax deduction on contributions but

If you have ever applied for a loan or mortgage, you know one of the first things the lender looks at is your credit score. Although, it is important to maintain a high credit score, it is just as important to have good credit habits. Good credit habits not only include your payment history, but

Buying a car is unquestionably a unique experience. We are empowered with an apparently unlimited number of choices, including manual or automatic transmission, global positioning systems or anti-lock breaking systems, and the ever-important cup-holder option. Often we also need to take out a loan when purchasing a new ride. Although we probably have the best

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

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,