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Everything a Brand-New College Student Needs to Know About Banking and Finances

Going to college is an exciting time. For many young adults, it’s their first taste of independence, and with that comes an opportunity to build a foundation for their financial future. To help them start strong, we’ve outlined information on the best bank accounts for students and financial tips for college students.

Posted in: budgeting, finances, student

Why Young Adults Should Use Certificates of Deposit for Investing

As young adults in their 20s and 30s are finding their stride in their careers and earning enough money to save, making smart financial decisions now can give them greater control over their future. Many young adults are unsure how to begin investing and growing their savings. A certificate of deposit is a smart and relatively safe way to begin.

Posted in: CDs, certificate, deposit, of

How to Create a Budget and Stick With It

Strategic budgeting and saving can help you take control of your future and feel confident in your everyday financial decisions. But even when people see the merit, many are left wondering how to make a budget or how to stick to a budget. To help you create a plan that works for your lifestyle, we’ve outlined some tips for creating a budget.

Getting a Home Loan in Beloit, Wisconsin

Congratulations on wanting to take the plunge and become a first-time homeowner in Beloit. Maybe you’ve already done some looking. And just maybe you’ve started wondering how you’re going to afford that dream home. The fact is most people don’t buy a home outright with all their own cash. Typically, you save up enough to make a healthy down payment and then borrow the balance from a lender in the form of a home loan. The amount you borrow is called a mortgage, and you’re responsible for making monthly mortgage payments to pay the loan back.

Posted in: home, mortgage

How Do Personal Lines of Credit Work

A personal line of credit can be a big help when you need cash immediately. Think of it as a bridge to accomplishing certain goals, paying unexpected expenses, or keeping personal finances in balance.
 
By definition, a personal line of credit (POC) is an unsecured revolving account with a spending limit that you can borrow money from as you need it. A POC comes with a variable (rather than fixed) interest rate and is designed to be available for a set period. When you choose the amount of your POC, the lender won’t give you a check for the full value. Instead, you can withdraw smaller amounts as needed.

Posted in: credit, personal

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