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home equity loan requirements

Home Equity Loans In 2019 – What Are They And How To Qualify?

access_time Posted on: April 19th, 2019

Most of us know there are many advantages associated with being a homeowner including utilizing the equity in your home in the form of a home equity loan. Of course, being a homeowner doesn’t automatically qualify you for a home equity loan. You must have a certain percentage of equity, the income and credit to support the loan. This article will walk you through what a home equity loan is, discuss pros and cons, and outline what you may need to qualify for a home equity loan in 2019. What Is A Home Equity Loan? A home equity loan is a loan you take out against the equity in your… read more »

savings and checking accounts credit union

The Difference Between Checking And Savings Accounts

access_time Posted on: March 28th, 2019

Many of us are guilty of opening a checking and/or savings account but not fully understanding their benefits or how to use them properly to make the most of our money. Each type of account has a different purpose and function, so understanding the differences helps you choose the right combination for you to better manage your personal finances, minimize overspending and make your hard earned money go farther. What Is A Checking Account? A checking account allows you to write checks, or withdrawal funds, as an everyday way to pay others. In the not so distant past, this was primarily done in the form of paper checks – documents… read more »

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How Much Money Should You Keep In Your Checking Account?

access_time Posted on: March 1st, 2019

The amount of money you keep in your checking account is important. Since the goal of a checking account is to process transactions, checking accounts shouldn’t necessarily hold a large sum of money. Rather, they should provide enough funds to cover the transactions you plan to make within any given period of time. Breaking Down How Much Money To Keep In Checking Account When you learn how much money to keep in your checking account, you can make sure your funds are working for you in the best way possible. There are a few things to consider. Money Going In, Money Going Out The key factor to keep in mind… read more »

A Budget Plan for a Healthy, Happy You

access_time Posted on: October 26th, 2017

Can making a budget really make you feel better about life? You might be surprised! One of the most powerful things you can do to relieve uncertainty and financial stress is to take a step back and make a plan. A budget can help you figure out how to meet both your short and long-term financial goals. Think about it like a fitness plan: it’s not about dieting, it’s about getting healthy, staying healthy, and being ready for the life you want! Take the first step The first thing to do is to understand your overall financial situation so you can put your money to work for your goals! A… read more »

Paying Off Credit Card Debt

access_time Posted on: January 19th, 2016

We’ve all heard it. That $15,000 balance on that credit card will take you 35 years to pay off and cost you $18,000 in interest if you only make the minimum payment. Yet, here you are, looking at your own credit card statements and more than one of them shows a balance that is comparable. At this point, it doesn’t matter how it happened and there’s no sense beating yourself up about it – you can fix it and we can help! Here’s some tips on how. Target just one card first. If you’re carrying balances on multiple cards, it can be frustrating and overwhelming to try to wipe them… read more »

Start Investing! But Do It Wisely.

access_time Posted on: January 19th, 2016

Whether your golden years are decades away or right around the corner, having enough to live on comfortably after you retire is a concern for just about everyone. Regardless of how much you have today, investing wisely now can help make big strides toward the financial goals you have for your future. Here are a few tips to get you started. Pay yourself first. Savings is one of those things that falls by the wayside when the budget gets tight or something fun and frivolous comes up. Keep yourself in check by setting up your paycheck in a way in which you’re automatically saving the first 10 percent of it…. read more »