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Borrowing Money

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Should your small business re-finance to a fixed-rate loan?
Business Resources

Should your small business re-finance to a fixed-rate loan?

As interest rates climb, small businesses are increasingly wondering how it will affect their finances. In fact, a survey from Goldman Sachs found that 88% of small business respondents said inflationary pressures on their business have accelerated since January 2022. One way to hedge against inflation and obtain more stable ...

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How to buy a home in today’s competitive market
Owning a Home

How to buy a home in today’s competitive market

Today’s housing market continues to be a dream for sellers and a challenge for buyers. Home prices rose dramatically in 2021. According to the National Association of Realtors, the national median home price hit an all-time high last year at $362,800. Those high prices are fueled by record high demand ...

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When to borrow, when to hold off
Managing Your Money

When to borrow, when to hold off

Before borrowing money, it’s always a wise to stop and analyze whether or not it’s really to your benefit. Any loan or charge should help, not hurt your life. There are times when it might be better to use your own resources rather than turn to a lender, but making ...

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Home equity is up across the board. Here’s what that means for you.
Owning a Home

Home equity is up across the board. Here’s what that means for you.

One benefit of owning a home is getting to build equity in it. Equity refers to the portion of your home you own outright. You can calculate yours by taking the market value of your home and subtracting the balance you owe on your mortgage. If your home could sell ...

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How to apply for a mortgage if you’re self-employed
Owning a Home

How to apply for a mortgage if you’re self-employed

You may be familiar with the typical mortgage application and the employment requirement. But what if you own a business, are self-employed, or work freelance? This can make it a bit more challenging to secure your next home loan.Although challenging, this doesn’t have to be a roadblock. Non-traditional employment structures are ...

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How much car can you afford?
Managing Your Money

How much car can you afford?

So, you’ve decided to buy a new car. That’s exciting, but before you run to the dealership, take a moment to look at your finances and determine how much car you can really afford. Understanding your budget before a big purchase is a big step toward creating healthy financial habits. ...

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