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October 2021

Couple meeting with a lender at a car dealership

Scenarios When You Should Refinance an Auto Loan

If you find yourself asking, “Should I refinance my auto loan?” it probably means you’re unhappy with your current monthly payment. If you’re ready for a change, now is a good time to look into auto loan refinancing.
Refinancing an auto loan is often a great way to save money on your monthly payments, but it’s not the best option for everyone. Doing your due diligence is important to make the best decision for your unique financial situation.

Posted in: auto, loan, refinance

young woman looking at a calculator and paperwork

Investing for Beginners: How to Plan for Your Future Today

You probably already know that one of the best ways to grow your money for the future is to invest it.  The first place to start is with your employer’s 401(k) which allows you to contribute on a regular basis, and not worry about what the market is doing on a daily basis.  Many 401(k) plans offer a company matching percentage, which is supplemented money.  For example: your employer offers a 3% match, make sure that you’re contributing at least 3% of your income to receive the full match.

If the idea of where to invest your hard-earned money is intimidating, there are usually mutual fund choices in an employer plan that provide an easy start point.  One type of diversified mutual fund will normally have a targeted year of retirement in the name, and this allows the mutual fund to manage your money for you.  What other investment decisions are important to consider?  Let’s explore how to start investing in a way that’s diversified with reasonable risk for your goals.

Posted in: brokerage, firm, fund, index, investing, market, plan, retirement, savings, stock

young couple holding keys outside of their new home

What Are FHA Loans for First-Time Home Buyers?

Being a first-time home buyer is equal parts exciting and stressful. The idea of finding the home of your dreams to start the next chapter of your life is thrilling, but the thought of making such a major financial commitment is nerve-wracking. And once you start the process, your head can go spinning. What are FHA loans? How do I obtain a mortgage? What other types of mortgages are available? What are closing costs?

Posted in: buyer, FHA, first-time, home, loan, mortgage, VA

person touching a lock icon on a screen

Top 5 Holiday Season Cybersecurity Tips for Small Businesses

Small business owners plan for the holiday season months in advance. From securing inventory to outlining sales strategies for their e-commerce site, preparing for the holiday season can be stressful … especially when it comes to keeping your customers’ information safe and private from cyberattacks. Everyone is susceptible to cyberattacks, and the holiday season makes small businesses particularly vulnerable. Since small businesses have limited staff, small information technology (IT) departments, and often little money set aside for remediation, they’re often prey to cyber threats.

Posted in: breach, business, cybersecurity, data, fraud, holiday, small

older couple sitting with financial advisor

Estate Planning Guide and Checklist: 10 Tips to Get Started

According to the American Association of Retired Persons (AARP), nearly 60% of all Americans are without a will or other essential legal documents.  Many people think estate planning is reserved for the rich, but it’s in your best interest to plan for who you want to receive your stuff after you pass away.  Without your own legal documents, most states will make that decision for you through their intestate laws.  One of the easiest ways to make sure that all of your money goes where you want it to, is through current beneficiary designations on any account that allows this choice.  Then a will can cover anything that you own that doesn’t have a beneficiary option.