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.
February is a BIG month for car sales! You’ll find many Presidents’ Day special deals from the auto makers, car dealerships and financial institutions. Before you shop for your new car, here are some smart strategies to help you drive home with the right car and the best deal!
1. Buy a car before you need a car. If you drive your car until it dies and leaves you stranded, it will not only leave you without money back on a trade in, but it’ll also limit the amount of time you have to research your purchase and financing.
2. Get pre-approved so you know what you can afford. Just like shopping for a home, shopping for a car is easier when you have a realistic budget in mind. You’ll be able to eliminate some choices, and focus on a few models that meet your needs and your budget. Don’t let the dealership talk you into something outside of your budget.
3. Shop around and be ready to walk away. You’ll get the dealer’s lowest price just before you walk out the door. It pays to do your research online first– when you’re well-informed, you’re less likely to over-pay for a car with all types of features you may not need.
4. Are you ok with not having the latest bells & whistles? If yes, look at new AND used cars. See our blog “New vs. Used: The Car Buying Debate” for more info.
5. Don’t share too much with the salesperson. Keep it simple and focus on one thing at a time. The more they know, the easier it is for them to manipulate the numbers. Keep information about your trade in and where you plan on financing to yourself until you’ve settled on a price.
6. Don’t buy the add-ons at the dealership. Extended warranties and protections plans are usually overpriced. Explore GAP insurance and debt protection with your lender, such as MVCU.
7. Bring a trusted Auto Advisor with you. They can help you save time and money during the car-shopping process. They’ll help you find your car, arrange the test drive, and even negotiate for you.