3 Money Management Tips For A Digital World

Money management is difficult for many people. As more and more spending happens digitally, it becomes increasingly more difficult to keep track of where your funds are going. There is nothing worse than thinking you have money in your checking account just to discover you have half as much as you expected. The more you utilize credit cards, debit cards, and even digital forms of payment like pay pal, the harder it is to balance your checkbook. Do you even have a checkbook? If that answer was no, this is probably information you need.

Money management used to involve sitting at a table with all your paperwork and receipts, figuring out how much money you should have left and what your budget was...

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Four Reasons To Apply For An Auto Loan Through A Credit Union

According to Statistica, approximately 6.3 million passenger cars were sold to drivers in the United States in 2017. It’s a safe bet that of those 6.3 million cars, many of them are financed through auto loans. In fact, 45 percent of people are financing their vehicle and the average borrower has nearly $18,000 in auto debt.

With so many types of auto loans available and lenders available, it pays to do research when it comes to car loans. For several reasons, a credit union auto loan is an advantageous way to go when it comes to financing a car. Getting a credit union auto loan ensures you’ll likely be supporting a local organization and in all likelihood you’ll get a lower rate that you may not be able to find anywhere else.

Advantages of getting a credit union auto loan include:

  • Good Interest Rates: One of the top advantages to getting a credit union auto loan is the interest rates. Joining a credit union and getting an auto loan means most of the
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Five Tips To Make Securing A Home Loan Easier

In 2004, 69 percent of Americans owned a house. Today that number is down to 63.4 percent. With changes in the economy, there are have been some rough patches for homeowners or prospective homeowners.

But brighter days are ahead and more money is becoming available for home loans. In 2011, the amount of home equity available was $6.3 trillion. Today that number has climbed to more than $13 trillion.

Securing a home loan can be daunting to some people. If you’re thinking about or are starting the process of applying for a home loan, here are some steps to take:

  • Know Your Credit Score: With the convenience of online banking, it’s to pull up your credit score. This is very important if you’re wanting to get a home loan. Knowing your score can save you from surprises. The last thing you want to find out is that your score is lower than you thought or there’s something in your credit history you forgot. Having a low score or poor history can bring your pl
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How to manage your money

It’s never an easy thing to admit when you’ve got debt but that doesn’t mean you should spend your whole life in denial. There’s nothing inherently wrong with debt so long as you know how to manage it properly and how to avoid letting it overtake your life. There are all sorts of things you can do to solve your debt, including getting yourself some retail billing software, a well constructed debt collection system, maybe some auto loan software or other tools that can help manage your debt efficiently. But what is debt and why do a lot of people fall into it? Is it ever a good thing to fall into debt and what does it mean when you’re there? Well, to start answering these questions, we have to look at debt now as compared to what debt used to be. Now, there has always been some type of debt collection management system in economic place for as long as there have been economies to keep track of debt. The Roman empire, for i

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The Benefits Of Bank Loan Software

In today’s world, technology drives everything. That includes global software. The global enterprise software market will exceed $500 billion by 2022 with North America and Europe leading that growth. According to Contegix research on enterprise software users, 47 percent of companies plan to increase their spending on software designed to improve customer service and virtual help desk initiatives.

That investment in software extends to the banking industry. In the coming years, it’s likely that automotive companies will be looking for new ways to bank loan software to make things easier.

One way companies might look to use bank loan software is through a Customer Relationship Management (CRM) system. The point of the system is to store customer data and management relationships with customers. The right bank loan software can offer many benefits including:

  • Ease Of Use: Bank Loan software makes things easier for bank employees as well as the customers coming
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One of the most important things that you need to get in order if you want to manage your finances effectively is to find the right bank and the right kind of bank account for your requirements. Opening a bank account involves a lot more than you might think. Choosing the correct bank and the correct kind of bank account can mean the difference between living things to chance and being able to manage your finances with a firm hand. A lot can hinge upon the kind of criteria you have in mind while choosing a bank and choosing the right kind of checking account. There are features to consider and interest rates to ponder about before you make the final decision. This can be crucial when it comes to being able to manage your finances effectively while getting the maximum benefits possible.


One of the most important aspects of being able to manage your finances properly is to find the right banking solutions. Different banks offer different kinds of accounts and have different features

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5 Things You Need to Know When Applying For a Mortgage Loan

In 2004, 69 percent of Americans owned a house. Today that number is down to 63.4 percent. With changes in the economy, there are have been some rough patches for homeowners or prospective homeowners.

But brighter days are ahead and more money is becoming available for home loans. In 2011, the amount of home equity available was $6.3 trillion. Today that number has climbed to more than $13 trillion.

Securing a home loan can be daunting to some people. Home loans work a little differently than loans for things like apartments or cars and it’s important to know the difference. If you’re thinking about or are starting the process of applying for a home loan, here are some steps you can take:

If you’re looking for a new place to live and want something a little more “tropical” than you might be used to, then you might want to think about moving to South Florida! Miami is typically on the top of people’s lists, but property can be very expensive and it’s very nightlife-driven, which means if you want somewhere that’s a little quieter, that’s not the place for you. West Palm Beach is beautiful yet laid back, but it might be too laid back for your taste. So what’s in the middle, then? It’s actually the city of Fort Lauderdale!

This beautiful area offers waterfront homes for sale, as well as fun bars and restaurants that you can enjoy with family and friends. If you like the beach, you’ll be just steps away, and if you want to be more inland, you have that option too! Here are four of the best reasons why you should look into Fort Lauderdale

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Mobile and Online Banking: What You Need to Know

    If you are someone (or know someone) who uses online banking or mobile banking, you have come to the right place. When it comes to mobile banking, the process can be a bit overwhelming as finances are a touchy subject. That said, the importance of mobile banking is significant, as the use such a system can help people better manage their finances and ensure they make smart money decisions. Keep reading below for additional information pertaining to mobile banking.
    1. Consider that 70% of Americans (or 174 million Americans) have at least one credit card which means they likely have a bank that card is associated with.

Based on the most recent research from the Federal Reserve, 70% of consumers indicate that they own

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Business Merging is Helping Many Companies Strive

Deciding to sell a business

Business mergers occur all the time in the industry, with a variety of big names taking on bigger or smaller companies so that they can meet their financial demands. Because there are nearly 28 million small businesses in the U.S., there is always room for opportunity and chances. Many businesses want to ensure that they are actually going to receive some type of growth, which is why they receive a business valuation of the company they believe is best to merge with. A valuation takes a closer look at the company’s present value and how much it is expected to grow as well as how much cash it will bring in, in the future. Companies use three different methods: asset-based approach, earning value approach, and market value approach. Businesses are careful about how they merge and they should be, beca

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