When the honeymoon phase of your car is over, it’s only a matter of time before you breakup and start your search for a car that better fits your needs. Rather than wait until you are left stranded by the side of road in need of a tow truck, car shopping now will prepare you for what is just around the corner.
Hard-working community members deserve the best possible mortgage interest rates and terms. Homeowners whose financial situation has changed over the years sometimes wonder whether they should refinance their mortgage. Although refinancing may improve your financial health and wellbeing, it’s a process that should not be taken lightly. Before refinancing a mortgage, thoughtfully consider long-term changes and be sure you fully understand the answers to the following questions.
Americans average about four credit cards per person with an average balance of about $8,000. Add in a car payment and an outstanding medical bill, remembering to make all those monthly payments or struggling to meet the minimum payment are the main reasons people look at debt consolidation. Instead of making multiple monthly payments, consumers consolidate their debts into one monthly payment, often at a lower interest rate and monthly payment.
When focused on accumulating wealth, it’s not uncommon to lose track of the reason for our hard work. Growing bank accounts provide a feeling of increased financial stability. But accumulating these resources is not necessarily a goal in and of itself. Money remains vital but is only a tool used for achieving our goals. Turning those resources into a fulfilling future requires the professional skills of a trustworthy financial advisor.
“Where does it all go?” is a question asked by many working Americans who seem hard-pressed to save any money toward emergencies and retirement. However, the answer may be steaming in our hands each morning.
The coronavirus situation has created a number of new challenges for our society. Among other things, many people are now facing the reality of a reduced household cash flow. If you're accustomed to operating with a set budget for your monthly expenses, you've no doubt seen how it affects your efforts to make ends meet, but if you've never really put it down on paper, now may be the time to get started. While it might seem like a daunting task at first, once you have a budget in place you'll find how it makes everything easier, and maybe even wonder why you didn't do it sooner.
Big credit card corporations spend an enormous amount of time and energy marketing their products in ways that seem cost-effective to consumers. Offers such as promotional discounts, rewards, zero-interest balance transfers, and even cash-back appear to be an excellent way to gain a benefit. But too often, everyday people get tripped up and have a monthly balance you can’t quite pay off. It’s important for consumers to be wary of rising credit card debt that may result from your excitement about taking advantage of perks.
Consumers can almost tell what time of year and month it is by the seasonal sales advertisements. We live in an age where there are literally “shopping holidays” such as Black Friday. We all know that one occurs the day after Thanksgiving, and the savings can be huge. Other industries also promote certain times to buy. Real estate tends to be hot during the summer months because families often want their children to start fresh at the beginning of the school year.
Dealerships are one of the last strongholds of pure price negotiation. Negotiating a price on a new truck, however, isn't like deciding on a price with a private seller; the dynamic of negotiating at a dealership is much different. A truck salesperson deals with hundreds of negotiations every year and they really know their stuff, while the average person shopping for a new truck only does so once every several years.
The American Pet Products Association (APPA) has released new annual industry-wide spending figures, which exceeded the previous year's spending by more than $3 billion. Americans are showing love for their pets as never before.
Membership in America’s Credit Union is open to anyone who lives or works in Dallas, Rockwall or Collin Counties, Texas, and their family members. Employees of select employers may also be eligible. See our Membership page for details.