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Finance 101

  • First-Time Home Buyer Tips

    Posted on February 28, 2019 by Brooke Keck
    Buying a house is probably the biggest investment you’ll ever make. It can be scary—not just because you don’t want to have buyer’s remorse with such a huge purchase, but also because it’s a complex process with lots of terms you’ve never heard before. Suddenly people are talking about "points" and "closing costs" and "escrow." Worse—they’re looking at you like you know what they’re talking about! Here’s the good news: we have a great mortgage team at R.I.A. FCU and we want to help you. Let’s start with a few basic tips:
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  • 4 Things to Do with Your Tax Return

    Posted on February 01, 2019 by Jake Ward
    Last year, more than 70% of Americans got a refund on their federal income taxes. Are you one of the many who’s expecting a tax refund this year? There are a lot of smart choices that you can make with your refund. Let’s go over a few:
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  • 5 Tips to Help you Budget for a Wedding

    Posted on January 15, 2019 by Jake Ward
    If you’re reading this, it’s either because you’re getting married, or a loved one is and you’re helping to pay for the wedding. Either way, congratulations! There are few life events happier than a wedding. At some point, though, you may find that the stress of wedding expenses clouds some of the joyousness of the occasion. It doesn’t have to be that way! Here are a few tips to help you manage that wedding budget and reduce your stress level.
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  • Small Savings Goals can Yield Big Dividends: Learning to Save

    Posted on January 02, 2019 by Jake Ward
    Experts will tell you that you should have 3-6 months of living expenses saved up in case of an emergency. That’s great advice and definitely something to aspire to. But for many people, that goal is just too far-reaching, and can be so overwhelming that they’re discouraged from saving at all. If that’s you, then we encourage you to start with a smaller savings goal. For example, did you know that the typical loan from a payday lender is $300-$400? But if you have to borrow from a payday lender, the fees you pay to borrow the money can equal an annual percentage rate of 300-400%. That can be extremely difficult to overcome, especially for people living paycheck to paycheck. So if you are currently one of approximately 25% of Americans with little to no savings, now is a great time to change that! We encourage you to set a savings goal, even a small one that will keep you away from payday lenders. Once you develop a habit of savings, it will get much easier. Trust me.
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  • Best Practices for Holiday Spending

    Posted on November 14, 2018 by Jake Ward
    The holiday season is in full swing! Everyone is carrying out their favorite traditions – family time, decorating, and volunteering to name a few. But the holiday season also means that you’re typically dishing out more money for gifts, travel, and other expenses. This season can become costly, and therefore stressful, really quick. Check out our best practices for holiday spending so that your bank account doesn’t take a big hit.
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  • It's Credit Union Month

    Posted on October 01, 2018 by Jake Ward
    October 18th is International Credit Union Day! This day was established in 1948 to reflect on the credit union movement’s history, promote its achievements, and to share member experiences.
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  • 4 Tips for Thriving on a College Budget

    Posted on August 10, 2018 by Jake Ward
    As a college student, you’ll find yourself busy with academics, a social life, campus groups, internships, and possibly athletics. Finances may not be a very glamorous topic, but it’s important to figure it into your time so you’re not constantly worrying about money, and to develop healthy money habits. Check out our tips for thriving on a college budget.
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  • 6 Tips for Back-to-School Savings

    Posted on August 03, 2018 by Jake Ward
    Parents can spend hundreds of dollars each year preparing one child for school with clothes and other supplies they need. Back-to-school shopping can be overwhelming, especially if you have more than one child. These costs can be cut in half with a back-to-school savings strategy and proactive wardrobe recycling. Follow our tips to create your plan:
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