By Cindy Cabbage Have you ever noticed that about this time every year people start talking about IRA’s? That’s because for a lot of people, IRA’s are connected to filing their income taxes. Maybe for you that doesn’t make much sense, but there is a reason. If you just don’t see it, keep reading and […]
Personal Finances
Building a Home? Construction Loans are Helpful
By Andrea Eldert, NMLS #1094715 Few people have the money to buy a home for cash; most homebuyers have to take out a mortgage to finance the purchase. Yet when you decide to build a house rather than buy an existing home, things can get a little tricky. Before a home is built, there is no […]
Now is the Time to Start a Christmas Club Account
It’s January and Christmas may be the furthest thing from your mind. However, now is the perfect time to set up your Christmas Club for 2020. If you’re not sure what Christmas Club is or how it can help you manage Christmas expenses, keep reading. What Is Christmas Club? Christmas Club is a program offered […]
The Benefits and Risks of a HELOC
By Cindy Cabbage, NMLS#794021 You may have heard your friends or co-workers talking about a HELOC and wondered what this is. No, it’s not a super-strong security device used for keeping your treasured possessions safe. A HELOC is an acronym for a Home Equity Line of Credit, and many homeowners find it a convenient and […]
How is Your Credit Score Calculated?
It’s no secret – your credit score (also known as a FICO score) can have a huge impact on your financial future. A poor credit score may affect your ability to secure financing, increase the interest rate on loans you do qualify for, or limit your access to services, such as cell phone contracts, apartment […]
What Do People Save Money For?
By Domi Garcia It’s always easier to accomplish something if you have a clear goal and strong motivation to reach it. That is especially true when you are trying to save money. Just deciding that you’d like to save some money is not as helpful as being specific about how much you want to save […]
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