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When ‘Doing Nothing’ Could Save You Money

June 26th 2014 by
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Many financial crossroads can create an itch to spend money when leaving it in savings could actually be the better option. Motivations like fear and envy can create the itch, but so can the urge to simply do something when you have the opportunity, as opposed to doing what feels like nothing. Stockpiling money in a savings account can get increasingly difficult as the funds accumulate in your account and you are facing a material desire, or being presented with an exciting, “once-in-a-lifetime” investment scheme. ‘Doing nothing’ in certain circumstances, though, could save you a great deal of money in…

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Our Semi-Annual Loan Event Winners

June 24th 2014 by
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We talked about the success of our May Semi-Annual Loan Event last month and now it’s time to announce the winners! Congratulations to: Tess P.  – 1st car payment on us Robert P.  – Free Guaranteed Asset Protection (GAP), which covers the deficiency balance on your loan in the event of a total loss. Kevin T.  – Skip-a-pay Jerry & Donna D.  – Skip-a-pay Jose P.  – Skip-a-pay Brian M.  – Free credit report review Shacor W.  – $25 Starbucks card Kevin C.  – $10 Starbucks card Araceli B.  – $10 Starbucks card Kenneth T.  – $10 Starbucks card Janet…

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We Want To Help Your Employees!

June 17th 2014 by
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You want your employees to be happy. You offer as many benefits as your budget allows, but sometimes you just want to be able to do more. Fortunately, partnering with Aspire FCU is free for you and incredibly valuable for your team. Credit union membership provides significant savings. From low-interest loans to high-dividend rewards checking and savings accounts, our members enjoy financial products and resources through every stage in life. In a nutshell, here’s what you are entitled to with an Aspire partnership: New hire orientation brochures and presentations Direct Deposit Free seminars Special offers and campaigns Informative brochures, flyers…

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How to Negotiate the Price of your First Home

June 13th 2014 by
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The worst mistake a first time house buyer can make is thinking they must match the asking price. In some cases, houses in certain neighborhoods may go for much more than the asking price, but it is also fairly common for houses to be sold for a significant amount less than the initial asking price. Houses with less interest or those which have been on the market for a long time will have more flexible prices.   A good way to get started is to ask your real estate agent for a list of comparable homes in the area that have sold in the last 6 months. This will give you a rough estimate of how much the house you are looking at is likely to sell for and guide you in making your first offer. As mentioned above, how long a house is on the market can make a…

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Tips for Saving for a College Tuition

June 10th 2014 by
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If you haven’t started saving for your children’s tuition, you are not alone. Many parents find it extremely difficult to set aside money for the future cost of college, especially with more immediate financial responsibilities demanding attention. Parents also face numerous choices and options, all claiming to be the best solution, for their financial worries.   In order to get started, it is a good idea to do some research. Get to know the current cost of college and create a plan – allowing for the cost of inflation. The current average annual cost of a 4-year program ranges from $14 000-$35 000 depending on the program and the school your child will attend. This can easily add up to over $50 000 over 4 years, especially when you factor in the potential yearly increase in cost of 4-6%.   Begin early The sooner you start saving, the less you…

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