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Tracking Your Joint Expenses

Tracking Your Joint Expenses It’s hard enough keeping track of your own expenses. So you shouldn’t be surprised that managing money as a team effort can test your patience, especially if your partner has a different method of keeping financial records—or worse, no method at all. In some ways, it’s easier for you today than it was for your parents …

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Mortgage Application Checklist

Mortgage Application Checklist One of the most tedious parts of home buying is gathering the right documentation, but prepping beforehand makes it that much easier. The documents required for a mortgage application can be categorized by type: Proof of Income/Employment, Proof of Assets, Credit History, and Residential History. These give potential lenders a glimpse into your situation so they see …

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Early Withdrawals From Retirement Savings

Early Withdrawals From Retirement Savings Whether you find yourself laid off from work, facing a medical emergency, or confronted with a situation that you’re financially unprepared for, it may be tempting to withdraw from retirement savings—but there are penalties and consequences you need to consider before doing so. Early Withdrawal Penalties There are serious consequences to accessing your retirement funds …

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Health Insurance Options

Health Insurance Options Learning how to navigate health insurance could save your health and your bank account. Health insurance can help you pay for the medical expenses you and your family might encounter. In general, most health insurance plans cover the cost of doctor and hospital visits. Some also include dentist visits, physical therapy, and alternative care. Types of Insurance …

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What is a HELOC?

What is a HELOC? What is a HELOC and how does it work? A home equity line of credit (HELOC) is a line of credit that allows you to tap into your home’s equity or the difference between what your home is valued at and how much you owe on it. How it Works Like a credit card, a HELOC is a …

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5 Steps to Prepare for a Big Purchase

5 Steps to Prepare for a Big PurchaseWhat does it take to decide on a big purchase? A financial journey typically includes several twists and turns – such as understanding how to manage spending, build savings, and control debt. There might be “speed bumps” in the form of unexpected changes in income. Along the way, you might also navigate milestone …

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Vacation Planning

Vacation Planning and Budgeting Planning a trip this year? Here’s what to know about traveling in 2021 and how much you should spend. Where Can You Go? As of April 2, 2021, the CDC has stated: “People who are fully vaccinated with an FDA-authorized vaccine can travel safely within the United States.” While extra safety protocols are still being practiced in many …

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Talking To Your Partner About Money

Talking To Your Partner About Money Do you know how to have productive conversations around your finances? When it comes to talking with a spouse or partner about money, many people shy away. It can be scary—but it doesn’t have to be. Positive and frequent communication is key. Talk Often A great way to reduce the stress of talking about …

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The Cost of College Life

The Cost of College Life Going to college incurs a lot of expenses that aren’t listed on a tuition or room & board bill. Are you planning for all the day-to-day costs of college life? One of the many mysteries of college, especially freshman year, is what being there is actually going to cost. Sure, you know there’s tuition. But …

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Online Shopping Tips During The Holidays

Protect Yourself When Shopping Online The holiday season is a prime time for hackers, scammers, and online thieves. Due to the pandemic, this holiday season may look and feel a bit different, but we all still need to be aware of the potential dangers online shopping can bring and the ways we can protect ourselves. While millions of Americans will …