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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 …

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Understanding Health Insurance

Understanding Health Insurance One of your biggest financial risks is confronting unexpected expenses that you can’t afford, no matter how careful you are with your money. That’s why learning how to navigate health insurance could save your health and your bank account. There is no way to predict what will happen; you may lead a lucky life without serious illness …

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Working with a Lender

Working with Your Mortgage Lender Investing is like life – nothing ventured, nothing gained. And, purchasing a home may be the largest investment you ever make. Most lenders require you to complete a mortgage application—a comprehensive financial statement, which can feel overwhelming and complicated. But with the right lender, you’ll be able to easily navigate the necessary steps it takes …

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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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Transitioning to Retirement

Transitioning to RetirementThinking about retirement? Wondering if that’s something you can do? You may be mentally or emotionally ready but are you ready financially? If you have a pension or you’ve participated in a retirement savings plan where you work, and income from that source is a mainstay of your budget, the ideal solution is having your first retirement payment …