• When to Use Credit vs. Debit

    People are paying with plastic a lot these days, even for small purchases. The question is which kind of plastic is best? People tend to have strong opinions about debit versus credit cards.

    There are advantages and disadvantages to using debit and credit, so it is important to consider these before inserting your card into the card reader or swiping it.

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  • Applying for Your First Credit Card

    Credit cards are everywhere. Offered by financial institutions, retailers and other companies, a credit card can be a very convenient form of payment when you do not have cash available. Building credit history is a great step to cultivate your financial independence. However, for young adults starting out on their own, the first thing you should do is learn about credit cards before applying for one.

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  • What to Know About Credit Card Fees

    Using credit cards has its pros and cons. One of the least favorite thing about credit cards are the fees that come along with them. However, among the most common fees they charge, there’s not a single one you can’t avoid.

    The Credit Card Accountability, Responsibility and Disclosure Act, or CARD Act, helped make sure of that. Since the law’s 2009 inception, consumers no longer have to worry about “any time, any reason” interest-rate hikes and hair-trigger penalties.

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  • Making Online Bill Paying Easier

    With so many bills to pay each month people are opting to save time by paying their bills through online accounts and mobile apps. Online bill payment, a service offered by most financial institutions, makes it easier to organize and pay your bills. In addition to the convenience of paying bills from your own computer day or night, you will save the cost of a stamp.

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  • Tips for Buying a Car

    Next to buying a home, buying a new car is often the second most expensive purchase a person will make in their lifetime. Being prepared during the buying process will ensure you make a decision that is best for you and your situation. Here are our top tips for buying or leasing a new or new-to-you vehicle:

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  • How to Get an Auto Loan from a Credit Union

    When it comes to purchasing a car and getting a loan, buyers naturally tend to think of borrowing from a big bank first. The other common alternative is to get financing directly from the car dealer. However, there is a third option that does not get nearly enough attention: the credit union.

    Credit unions may actually be the best source for an auto loan. Here are a few reasons why this is true. Loans from credit unions are among the most competitive loans available. If you need to borrow money, it is worth including a local credit union as you shop around.

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  • Buying Your First Car? Make It Smoother With These Tips

    Buying your very first car is a big milestone. Sure it’s exciting...but it's also pretty intimidating, because your options seem limitless. (And those price tags are so high!) Luckily, buying your first car is not as hard as it seems. You just need to arm yourself with the right information.

    Determine Your Budget

    The first thing to do, even before car searching, is to establish a realistic budget. Take into account warranties, maintenance, and even gas. You may think that the new Audi A3 is trendy and perfect, but the premium gas it requires may hurt your wallet.

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  • Financing A Manufactured Or Modular Home

    If you are in the market to purchase a new home, a manufactured home can be a cost-effective option. These homes are prefabricated, built in a factory, and then moved to a site. Manufactured homes are increasing in popularity and are often cheaper than site built homes. It is a cost-effective approach whether you are buying brand new or purchasing a resale property, but there are a few things you should know about manufactured home financing.

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  • New Home Construction Tips

    Building a new home for the first time can be confusing and frustrating. What do I need to do first? Where do I go? Whom do I contact to get the job done right? The following is a general checklist to get you started:

    Financing Your New House

    In order for you to get a home construction loan, there are certain financing steps you will have to take:

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  • Financing a Home Construction Loan

    Building a dream home from the ground up is a common goal for many people. However, with building a home comes the need to secure financing. When it comes to financing, the smoother the process is the better. So, what are the basics when you are thinking of getting a home construction loan?

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