tag:blogger.com,1999:blog-71408002997258148092024-03-13T08:22:49.351-07:00AltaOne Federal Credit UnionAnonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.comBlogger47125tag:blogger.com,1999:blog-7140800299725814809.post-27679376159950639652016-02-04T14:56:00.003-08:002016-02-04T14:56:55.378-08:00When to Refinance a Mortgage<!--[if gte mso 9]>
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Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com5tag:blogger.com,1999:blog-7140800299725814809.post-62011233020046842532015-07-30T14:34:00.000-07:002015-08-03T08:21:11.335-07:00House Shopping 101
For many house hunters the search for their first home is an
intimidating process. We have compiled some info and some pointers to help make
the process as smooth as possible.
AGENT versus REALTOR:
You have probably heard various terms to describe real
estate sales people: realtor, agent and broker. The term “realtor” is actually a
trademarked term of the National Association of RealtorsAnonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com2tag:blogger.com,1999:blog-7140800299725814809.post-14528221566851872842015-07-13T13:34:00.003-07:002015-07-15T11:06:05.429-07:00Helpful HELOC Facts
Helpful HELOC Facts
Your home
provides solid shelter and comfort. But it can also help pay for life’s
expenses. If you are a homeowner and you have paid down a chunk of your
mortgage, having a home equity line of credit, or HELOC, could be a good way to
tap into extra funds when you need them.
Here are
some basics on how HELOCs work and how to know if one is right for you.
1. TheAnonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com0tag:blogger.com,1999:blog-7140800299725814809.post-24690115909482687902015-06-03T10:53:00.000-07:002015-06-03T10:53:48.471-07:00Should I Get a Credit Card or a Loan for My Business?
All small-business owners need a
little financial help to run and grow their enterprises at some point, whether
it is to hire more employees, buy new equipment or market a recently launched
product.
But how to meet these ongoing
capital requirements — with a business credit card, term loan or line of credit
— can be confusing.
Credit
cards: easier approval, perks and flexibility at a cost
Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com31tag:blogger.com,1999:blog-7140800299725814809.post-47480083238589858812015-05-11T19:08:00.004-07:002015-05-11T19:08:54.997-07:00
May 11,
2015
Plan Now for Your Summer Vacation
Waiting until the last minute to plan your vacation often results in
higher costs and increased stress. Instead of winging it, use these tips to
plan ahead and save on your getaway.
Choose your destination
Every travel destination typically has a high season (i.e., the
“expensive season”), and a Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com0tag:blogger.com,1999:blog-7140800299725814809.post-257679224021852972015-04-09T10:03:00.001-07:002015-04-09T10:03:58.935-07:00Storming the Capitol
April 7, 2015
Storming the Capitol
You
can make a difference and help to protect credit union members from unnecessary
regulation
National credit union organizations are
extremely busy these days, waging battle on your behalf.
Maybe the biggest fight is the battle
against overzealous regulatory burdens that squeeze credit unions' ability to
offer the best possible products and Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com0tag:blogger.com,1999:blog-7140800299725814809.post-64922437427250360022015-03-17T12:26:00.004-07:002015-03-17T12:26:49.802-07:00Plan and Finance Your Home Improvement Projects
Paying for home
improvements, whether major renovations or unexpected
repairs, is one of the biggest challenges homeowners face. In some cases you
may plan a renovation for years, but it is not always possible to predict when
you will need a new furnace or roof. That is why it is important to have a
flexible plan for any eventuality when you take on the responsibility of owning
a home.
Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com40tag:blogger.com,1999:blog-7140800299725814809.post-17300272579383407752015-03-09T10:27:00.004-07:002015-03-09T11:19:13.619-07:00Hidden Tax Breaks
In recent years, the average tax refund has been about $3,000. If you effectively determine and utilize the available tax credits, you may land a sizeable check this spring. Here are several commonly overlooked deductions worth a look.
Home office deduction
Home offices have many perks: no commutes, casual dress code, etc. Add a tax break to the list of benefits. If you spend the Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com1tag:blogger.com,1999:blog-7140800299725814809.post-7169676364399748542015-02-17T13:20:00.001-08:002015-02-17T13:22:07.879-08:00Credit Unions: Membership Has its Privileges
Credit Unions are no
longer the best kept secret of the financial world. According
to the Credit Union National Association (CUNA), as of mid-2014:
Credit
union memberships total 100.1 million and assets exceed $1,125 billion.
Credit
union savings stand at $961 billion, while loans total $689 billion.
There
are 6,671 credit unions. Some 4,027 are federally chartered, and 2,644 Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com0tag:blogger.com,1999:blog-7140800299725814809.post-62568662086679124972015-02-03T14:03:00.002-08:002015-02-03T14:03:36.648-08:00Smart Savings for All Life Stages
There is no doubt that
in today’s low interest environment it is challenging to put your money to work
for you. In addition to finding the right financial institution that is going
to offer the best possible return on your deposits, it is also important to
determine the best savings vehicle for your current life stage.
Your savings needs typically
vary a great deal as your life and Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com0tag:blogger.com,1999:blog-7140800299725814809.post-5197906954264462372014-12-22T15:57:00.001-08:002014-12-22T15:59:27.852-08:00Holiday Films & Money (Or how to turn heart-warming movie classics into a financial management class)
Yes, it is the holiday season – time for
family, friends, warm-tidings and good cheer. Well, since
we are a financial institution, we thought it might also be an appropriate time
to point out some money management advice viewers may glean from some of the
most famous holiday films: It’s a
Wonderful Life, A Christmas Carol,
The Grinch Who Stole Christmas and Elf.
1. Treat
everyone Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com1tag:blogger.com,1999:blog-7140800299725814809.post-45952909786140655762014-11-20T09:13:00.000-08:002014-11-20T11:10:11.054-08:00Trim Your Holiday Budget
Make a list – and check it
twice: Santa
does it. You should, too. Compose a shopping list for your family and friends.
If you are on a tight budget, pre-determine how much you can spend for each
person on your list.
Hunt for coupons: There are lots of
online coupon sites – Groupon, Couponcabin.com and Retailmenot.com are just a
few possibilities. Of course, there are lots of Black Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com1tag:blogger.com,1999:blog-7140800299725814809.post-13685977081091474012014-10-29T16:37:00.000-07:002014-10-29T16:37:12.295-07:00Savvy Credit Card Hunting
There are scores and scores of credit cards, and most consumers – especially those with good credit – receive scores of credit card offers.
How does one weed through the mountain of offers to find the best card for their needs?
There are credit cards that offer balance transfer deals … low interest cards … cash-back cards … hotel/travel points cards … retail rewards cards … gasoline pointsAnonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com2tag:blogger.com,1999:blog-7140800299725814809.post-15240347012079439412014-10-20T17:19:00.002-07:002014-10-20T17:24:52.681-07:00Is an AltaOne Credit Card Right for Me?For members disciplined about paying bills promptly, a credit card is a great way to improve how you rate as a prospective borrower. Without a good or excellent credit score, your interest costs may wind up higher on future loans.
As with so many products these days, there are hundreds of different credit cards. Since this piece of plastic plays such a pivotal role in your personal finances, Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com4tag:blogger.com,1999:blog-7140800299725814809.post-39420951766256360032014-09-15T15:53:00.003-07:002014-09-15T15:53:47.550-07:00Share Certificates Deliver Predictably Strong Returns
A
share certificate is usually more rewarding in returns than a traditional
savings account, and less risky than other investment options. Share
certificates may be a good fit for investors seeking strong returns without the
potential for loss that comes with stocks and bonds. For those new to share
certificates, here is a primer on what they are and who might consider one.
Share Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com1tag:blogger.com,1999:blog-7140800299725814809.post-58475468062414900202014-09-05T08:28:00.001-07:002014-09-05T16:36:26.476-07:00Get Rich Quick
Want to become stinking rich? Of course, you can save your money in an AltaOne account and invest wisely with our various products. Or -- you can try to emulate the habits of the rich. We explored the World Wide Web to find data on what differentiates the wealthy from the not-so-wealthy. Here are some of the more interesting findings:
The wealthy eat healthy — 70% eat less than 300 junk Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com3tag:blogger.com,1999:blog-7140800299725814809.post-60694451065280328712014-08-14T17:21:00.002-07:002014-08-15T11:49:09.283-07:00High Tech Products of the Not-so-Distant Future
AltaOne members can now access some of the most
cutting-edge technological tools to help manage their finances -- MSC Online, mobile apps, BudgetPro, BillPayer, Popmoney, etc. Outside the AltaOne
world, technology continues to explode. Products such as Google Glass -- the
amazing eyewear that conducts Google searches, snaps photos and videos and
tracks trending news -- are already here. Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com3tag:blogger.com,1999:blog-7140800299725814809.post-45093669144149030772014-08-06T17:07:00.002-07:002014-08-06T17:12:55.748-07:00Late Summer Vacation Savings Tips
So— you planned to take a summer vacation, but the weeks are zooming by and your children are already preparing to return to school in a few weeks. Yikes! Summers seem to get shorter every year.
It is not too late to plan for an inexpensive, last-minute vacation. During the final weeks of the season, when most people are heading back to school or work, hotels and airlines often scramble toAnonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com1tag:blogger.com,1999:blog-7140800299725814809.post-85372640920488244572014-07-23T14:55:00.000-07:002014-07-23T15:02:46.182-07:00The Credit Union Advantage
Nearly one-third of all Americans belong to a credit union. Frankly, we were interested to find out why that figure is not significantly higher. After all, credit unions seem to offer significant advantages over many banks: lower interest rates on loans; higher yield on deposits; low or no service fees; active participation in the community. The list is lengthy.
Probably the only advantage Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com0tag:blogger.com,1999:blog-7140800299725814809.post-86877957336199493382014-07-10T08:44:00.002-07:002014-07-10T08:45:46.451-07:00Summer Financial Training School
Are
the little entrepreneurs in your home working extra hard this summer to earn
money with their lemonade stands and summer jobs? No matter what their ages,
this may be the perfect time to teach your children about budgeting. Below are
some valuable money management lessons you can provide your youngsters.
For younger children
Money As You Grow suggests
children split their allowanceAnonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com2tag:blogger.com,1999:blog-7140800299725814809.post-73070890727127092392014-07-02T09:34:00.000-07:002014-07-02T09:49:44.469-07:00Don't Let Student Debt Hamper Your Home-Buying Experience
We have all read the harrowing statistics about student loan debt. College grads enter the real world with an average of $34,000 in student loan debt. According to the Economic Policy Institute, the unemployment rate for recent graduates is 8.5%, and 16.8% are underemployed. With all these gloomy statistics, how can a debt-riddled Gen Y consumer even consider buying a home?
Cheer up, Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com2tag:blogger.com,1999:blog-7140800299725814809.post-15297559839413287462014-06-18T14:33:00.001-07:002014-06-18T14:33:31.347-07:00Signature Loans — The Simple, No-Hassle Lending Solution
Money does not grow on trees. However, there is one way to obtain money immediately that is almost as quick as plucking it from a branch — signature loans.
Signature loans (aka, personal or unsecured loans) offer borrowers funds for any purpose: vacations, home or vehicle repairs, to pay off expenses, emergencies, etc. The primary benefit of a signature loan is there is no collateral required.Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com0tag:blogger.com,1999:blog-7140800299725814809.post-54339271165789592672014-06-11T16:06:00.002-07:002014-06-11T16:11:11.891-07:00Budget for Summer Vacation: Plan Ahead
Despite challenging economic times, most Americans will still venture out for some fun in the sun this summer. Whether planning a vacation abroad, an adventure in another part of the country or some local beach time, it is always a drag to pinch pennies while traveling.
It is too easy to fall into the credit card trap while on vacation. Budget well before you vacation to prevent the stressAnonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com1tag:blogger.com,1999:blog-7140800299725814809.post-54957223421723577052014-05-08T09:32:00.000-07:002014-05-08T10:02:43.100-07:00 Considering Some Home Improvements? HELOC At This!
If you have enough equity in your home to qualify, a home equity line of credit (HELOC) can be a convenient way to borrow money to fund a major home renovation.
Of course, what you do with the money from a HELOC is entirely up to you. In addition to home enhancements, you can use your HELOC to pay off high interest debt, college tuition or medical bills, renovate your bath or kitchen, Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com3tag:blogger.com,1999:blog-7140800299725814809.post-44537426737513137682014-04-25T16:45:00.000-07:002014-04-28T09:30:11.760-07:00Happy Home Hunting
The median home price in the U.S. continues to creep
higher in 2014. The number of homes for sale has been growing, as well. What does that mean for house hunters?
Simple. Now is a good time to shop for a new abode.
For those of you inexperienced in the world of
mortgages, we have compiled some pointers that should help you avoid some real
estate land mines.
Anonymoushttp://www.blogger.com/profile/10610410495870078403noreply@blogger.com1