As the holidays approach, gift cards remain a popular gift option, but they’re also a target for scammers. These fraudsters use tactics like phishing and tampering with physical gift cards to steal funds before they can be used. To protect yourself and your loved ones this season, it’s important to stay aware of these risks.
Having a well-stocked emergency fund is important. But so is saving for retirement. So how do you know which one to focus on? Well, we’ve got you covered. Here’s what you should know.
Halloween is a time for spooky fun, but it can also bring a scare to your wallet if you're not careful. From costumes to decorations and treats, the costs can add up quickly. Here’s how to manage your Halloween budget and keep your spending under control while still enjoying the festivities.
Now is the moment to turn your attention to your tax obligations. With less than 60 days remaining until the tax deadline now is a good time to prepare your documents and file.
Need a smart strategy to save on essential school supplies? Planning your dream vacation or gearing up for the holiday season? With a club account, you can save for essential school supplies, exciting vacations, and joyful holiday celebrations, making your financial goals more attainable and stress-free.
A lot of times when people think of home equity, they think of fixing or renovating their house. Did you know you can use that money for things that aren’t house related?
is the difference between the market value of your home and what you owe on your mortgage. Say the market value of your home is $275,000 and you owe $200,000, you would have $75,000 in equity.
A home equity loan pays the loan amount in one lump sum and you pay a fixed amount for the length of the loan. You immediately make principal and interest payments but can use the funds however you wish. A home equity line of credit, on the other hand, allows you to withdraw money when you want it. It’s perfect for when you want access to additional funds but you’re not sure when you’ll need it or how much you’ll want. You’ll only pay when you use the money, so the payment amount will vary.
Home equity loans and lines of credit typically have lower rates than other loans because they’re backed up by collateral: your home! Here are seven ways to tap into your home’s equity that are not related to your home:
Your home is likely your greatest asset, and it should be working for you! Learn more about Home Equity Loans and Lines of credit: