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Buying A Home In Today’s Economy

Posted in Home Ownership
April 27th 2017 by
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Whether you’re a regular news junkie or you rely on your better half to keep you updated on the latest, you’ll get the same conflicting messages about the state of today’s economy. One day you’ll hear about rising wages, and the next day you’ll read about the lagging growth in the GDP, or Gross Domestic Product. The only thing certain about today’s economy is that it is uncertain. While things look relatively stable now, no one can guarantee what the next few years will bring. Fortunately, you don’t have to give up on the home of your dreams because of…

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Regulation D: How Does It Affect Me?

April 25th 2017 by
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Have you ever wondered about the real differences between your savings and checking accounts? Many people realize there must be more to it than just the fact that one includes checks and the other does not. However, they just don’t know what those differences are. So let’s look at some of the technical differences that define each account type. Reserve Requirements Did you ever wonder how much cash your credit union keeps in its vaults? It’s not all the money that members have deposited into their accounts. If that were the case, the credit union could never lend or invest money, and you could never earn any dividends on your deposits. Your credit union would simply function as a gigantic communal piggy bank. There are laws determined by the Federal Reserve’s Board of Governors, called reserve requirements, which govern how much cash financial institutions (including credit unions and banks) must…

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Decoding Home Listings

Posted in Home Ownership
April 20th 2017 by
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If you’re looking for a house, you’re probably figuring out which ones you want to see in-person based on online ads. And if you’ve already been out looking, you’ve probably seen houses that didn’t quite match up to their description. Here’s how to spot the red flags in home listings, plus the positive touches you should look for. Language Can Be Deceptive Less-than-desirable properties often have clever adjectives describing them. They sound good, but it’s really a mask to hide an issue. Examples include: Cozy – This sounds comforting and quaint, but in real estate it usually means small. Especially…

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Ways To Reduce Next Year’s Tax Bill

Posted in Taxes
April 18th 2017 by
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Did you have to pay taxes instead of getting a refund? You’re not alone, and unfortunately, it could happen again. But there are things you can do to ease your tax burden, and maybe even end up getting some money back. The key is to start planning now, and not wait until December (which will be here before you know it). Here’s what you should do: Donate to Charity and/or Volunteer This is a great thing to do even without the tax breaks, but the tax write-off is definitely a bonus. Keep careful records of all your donations and volunteer…

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Watch Out for Check Scams

Posted in Security/Scams
April 13th 2017 by
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The NCUA has noted an increase in check scams. These scams come in a variety of forms, but the most common ones are: From someone purchasing something online  – In this scenario, you receive a check for more than what you’re selling for, and instructed to send the extra to some third party, usually because the buyer owes that person money. It’s a convoluted story, but many sellers get trapped in it. Work from home opportunities – A fake job posting sends you an advance and asks that you deposit a portion of it a specific account. Advance on sweepstakes…

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