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Finance 101

  • It Pays to Start Saving Early

    Posted on March 21, 2017 by Jake Ward
    In case you haven’t heard, compound interest is the best. You may remember it as an equation you had to memorize for math class, but it’s so much more than that. It’s the concept that powers all sorts of savings and investment products and, over time, allows you to turn your money into, well, more money!
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  • To Lease or To Finance: That is the Question!

    Posted on March 21, 2017 by Jake Ward
    When it comes to buying a new car, you have three options: purchasing it with cash, purchasing it through a loan (also known as financing) or leasing it. For most shoppers, the decision comes down to buying or leasing.
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  • Finding the Loan That's Right for You

    Posted on March 20, 2017 by Jake Ward
    Loans help finance some of our biggest goals in life. They can provide access to possibilities that we can’t afford upfront—possibilities like going to school, buying a home or starting a business (to name just a few).
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  • Why is it Called a Credit Union?

    Posted on March 20, 2017 by Jake Ward
    While bank and banking are universally understood and accepted terms, the term credit union is still largely misunderstood and unknown to many. Credit union is an unusual term, isn’t it? Is it just another name for a bank? Is it a credit card company? Do I have to be in a union to join?
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  • Investment Strategies for These Low-Interest Times

    Posted on March 20, 2017 by Jake Ward
    Everyone has some idea of what it means to be money smart—however, whether or not you’ve acted on that idea is a different story! There are a few nuggets of financial wisdom in particular that are echoed so many times in articles, blog posts and TV segments that they become clichés, albeit practical ones. Curb your spending. Pay off your debt. Contribute to your savings early and often. Compound interest is your friend. Start saving now and watch your money grow.
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  • Be Prepared, Because Life Happens

    Posted on March 20, 2017 by Jake Ward
    An emergency fund is an essential part of your personal finances. Its importance is stressed in almost every personal finance book and budgeting blog, and yet 26% of Americans currently have no emergency fund in place. Of those who do have an emergency fund, up to two-thirds do not have the often-recommended six months’ worth of expenses saved up.
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  • Where you Seek Financial Advice Says a Lot About You

    Posted on March 17, 2017 by Jake Ward
    How did you decide where to open your first bank account? Where did you learn to budget or pay bills? If you have a money question now, what do you do? Who do you turn to?
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  • Avoiding Predatory Lending

    Posted on March 17, 2017 by Jake Ward
    Like local car dealerships and personal injury law firms, short-term and payday lenders tend to have the most annoying commercials on TV. They’re often tacky and annoying, and tend to air during daytime talk shows or very late at night. Their promises of "fast cash!", "guaranteed approval!" and no "credit check required!" are enough to make you change the channel—and yet, if you ever find yourself in a situation where you need to get your hands on some extra money fast, those commercials might start making sense to you.
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