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Understanding The Benefits Of Interest

The Benefits of Interest Interest plays a role in almost all aspects of personal finance — including savings, investing, credit, and loans. Simply Put: Interest is the money earned or paid when someone makes or receives a loan. You can be paid interest for keeping money in a bank account, purchasing a bond, or making other investments. You can also …

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‘Check’ It Out

‘Check’ It Out Checking accounts can often come with pesky fees, which are designed to catch you off guard and cost you money.  But to pay your rent, cover your credit card, cable, or utility bills, and repay your student loans, you almost certainly need a checking account. Do you currently have one? Look through your account’s transaction history and …

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Mobile Banking Tips

Mobile Banking TipsMobile Banking provides a convenient, safe way to access your funds when you’re unable to visit a branch. What is Mobile Banking? Mobile banking is simply using an app on a mobile device, like a phone or tablet, to access your bank accounts and perform transactions. It’s a service provided by your financial institution and is available to …

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50/30/20 Rule

50/30/20 Rule The 50/30/20 rule is a practical rule of thumb for individuals who want a budget that is easy, yet effective, to implement. It offers guidelines for enjoying your income while putting savings on autopilot. Humans are fallible—sometimes we just need guidelines. If you struggle making sense of a sea of budgeting systems and mobile apps, consider the 50/30/20 …

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Credit Cards

Shopping with a credit card is a snap, but shopping for the card that’s right for you is another matter. Ask yourself these questions: The answers can help you choose a card that will help you use credit at the lowest cost. Not all credit cards are the same. With traditional credit cards, such as our VISA cards, you can …

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Planning Ahead for Taxes

If you plan ahead, you can make decisions that will reduce or at least postpone the tax you owe. The only catch is that you usually need to get everything taken care of by December 31. As anyone who has ever filed taxes knows, tax season is in high gear from January to April. In January, you’ll get a tax …

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Out of Work?

And, the truth is people can be laid off any time. When companies merge or are acquired, the work force may be downsized. Or business may just be slow. If that happens to you, do you know how you’d manage financially? It’s smart to think about the bills that would have to be paid and whether you have an emergency …

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Managing Debt

Dealing with situations beyond your control, such as a serious illness or an unexpected job loss, is difficult for anyone. Fortunately, there are usually ways to reduce the impact of even serious money problems, as well as strategies for improving your situation if you do find yourself in financial trouble. It’s helpful to start an emergency fund as part of …

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Controlling Your Holiday Spending

Most years it feels like just as you’re finishing up your Thanksgiving meal, you turn around and it’s December 20th… and you haven’t gotten all the presents you need for the Christmas holidays. It’s easy to get swept up in the holiday season. But being present, and planning a little, could end up saving you a lot of money to …

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Check Writing Basics & Mobile Deposit

It’s not very common to be carrying around a checkbook anymore. Debit cards have solved the problem of lugging extra items around in your bag. However, there are times where it’s necessary to write out a check, such as certain utilities or Rent payments, or when you’re traveling to smaller towns where businesses prefer not to deal with credit card …