• Know Your Budget Before You Build Your Dream Home

    The very first step in planning the construction of a new home is the construction budget. Developing a preliminary budget spells out the allocation of funds for your project in broad terms.

    Knowing your spending limits and developing a home building budget will go a long way towards keeping you out of financial trouble on your project, especially during the preparation of your plans and specifications. Your final "working" budget will be developed when you complete the cost estimating process.

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  • Building or Buying Your Next Home

    When the time comes to buy a home, you will be faced with a number of critical decisions. Mainly among these is the choice between buying a newly built home or purchasing an existing property.

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  • How to Avoid Credit Card Fraud

    You probably don’t think too much about your credit cards on a daily basis, except when you need to pull them out to make a purchase. However, credit card fraud can and does happen, and being conscious of this possibility happening to you is a wise approach. Technology has helped make the world more accessible than ever before. Unfortunately, that also includes the fraudsters.

    From shredding documents to being careful about online purchases, there are steps you can take to avoid credit card fraud. Here are some helpful tips:

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  • Benefits of Balance Transfers

    Many of us begin with “starter” credit cards when we want to build credit as young adults. However, as we establish our credit history and build up our savings, lenders become more open to giving us credit cards that offer competitive rates and other perks like rewards for spending. The benefits of transferring your existing debt to these cards – like the ones offered at Robins Financial Credit Union – include:

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  • Things to Look for When Shopping for a New Credit Card

    If you are like so many others, you shop around for a great deal on everything you buy. You do not want to spend more than you need to on any of your purchases. Shopping for a new credit card is the same, you shouldn’t pay more for your card than needed. Look for a card that offers the most benefits for the minimum cost.

    People apply for credit cards for different reasons. Some are looking to build their credit while others may want to have one for emergencies. One thing should be the same for all though. You should be choosing you credit card; credit cards should not choose you.

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  • Holiday Spending Habits

    It is that time of year again. He’s making a list and he's checking it twice. Of course, we are talking about the major credit bureaus! With holiday spending season upon us, it is time to broach an uncomfortable subject: how to pay for all that joy and goodwill.

    The holidays can be an expensive time of year and it is tempting to turn to plastic to finance the whole thing.

    You want to be generous during the holiday season but sometimes when the holiday bills roll in, you have a "ho ho UH OH!" moment.

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  • Tips For Buying Auto Insurance

    Auto insurance rates can vary greatly from one carrier to another. That is why it is worth your time to research companies, understand your options, and obtain a variety of quotes to get the lowest rates with the highest quality coverage.

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  • What Is GAP Insurance?

    Accidents happen. However, what happens if your car is totaled but its value is less than the amount you still owe on your auto loan? It is called a coverage gap and you may have to pay the difference out of pocket.

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  • How to Start Shopping for Auto Insurance

    Once you have decided how much car insurance you need, it is time to begin shopping. Auto insurance policies vary widely depending on your car, your driving record and your credit, so it is wise to do some research.

    Many times, people end up selecting an insurance provider based on whom their family or friends use. However, when you are shopping around, you should have a general idea of what questions to ask when speaking with an insurance agent. Here are a few questions that you should ask yourself when comparing different insurance providers:

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  • How Much Insurance Do You Need on Your Auto

    You probably do not need to spend a lot of money on a Personal Injury Protection policy. You should be covered if you have health insurance and disability insurance through your employer. Just buy the required minimum.

    You do need to make sure you have adequate coverage against uninsured and under-insured drivers. It is relatively inexpensive in most states and if you are in a collision with an uninsured driver it will help cover the costs your health insurance will not. If you have decided to carry BIL for $100,000/$300,000, do the same for yourself.

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