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Winter Driving Tips

Winter Driving Tips

If you live in a cold-weather state, you know how dangerous winter driving can be. AAA recommends the following tips to help you stay safe while traveling.    

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5 Scams to Watch Out For This Holiday Season

5 Scams to Watch Out For This Holiday Season

Holiday shopping will soon be in full force, and scammers will be busy – on the internet, at the mall, cash register and even your front door. According to www.scambusters.org...

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Energy-Saving Tips for the Holidays

Energy-Saving Tips for the Holidays

The days are shorter and the budget needs to stretch further, so it's important to save time, money and energy around the holidays. Here are 5 helpful tips to make it easier this...

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EMV Chip Credit Cards: A Safer Way to Pay

EMV Chip Credit Cards: A Safer Way to Pay

As you begin your holiday shopping, you may notice that almost everywhere you shop takes “chip” instead of swipe to receive your payment. They’ve been around for a...

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Who Has "Skin in the Game?"

Who Has "Skin in the Game?"

When applying for a small business loan, do not be surprised to hear your lender discuss “skin in the game.”  What does “skin in the game” mean to the...

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Safe Online Shopping

Safe Online Shopping

The holidays can be a busy time of year, and doing your holiday shopping online can be a great way to save time while you find the right gifts at the best price. You’ll skip the...

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7 Ways to Avoid Stress this Thanksgiving

7 Ways to Avoid Stress this Thanksgiving

Are you getting stressed just thinking about Thanksgiving approaching? There are several reasons why it can give us the jitters – especially if you’re planning a giant feast...

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Money-Saving Tips for Fall

Money-Saving Tips for Fall

Fall is here, the leaves are changing, holiday preparations are beginning and the weather is getting colder. As you enjoy the fall weather, it’s important to think about budgeting...

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SBA Loans and Business Condos for Small Business Real Estate

SBA Loans and Business Condos for Small Business Real Estate

In general, a small business owner is in business to produce a product or service and they don’t want to be in the business of managing commercial real estate.  Nevertheless,...

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Federal Loan Programs for RV Parks and Campgrounds

Federal Loan Programs for RV Parks and Campgrounds

Are you seeking financing for an RV park/campground? Have you encountered some reluctance from your banker? Many bankers don't have experience lending to this industry and haven'...

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Reducing your Heating Bill

Reducing your Heating Bill

Turn down the thermostat and turn up your savings With energy costs continuously rising, the outlook of a heating bill lowering on its own is not so hot. Take matters into your own...

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Selling Your Home for Top Dollar on a Tight Budget

Selling Your Home for Top Dollar on a Tight Budget

Getting a good price for your home doesn’t have to mean spending a fortune installing granite countertops, skylights or radiant floor heating. Instead, try out these tips for...

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Get on Track for Retirement – 10 Smart Tips

Get on Track for Retirement – 10 Smart Tips

Many times, people put off saving for retirement, which can seriously set them back on the track to retirement planning. While it’s always a good idea to have a trusted financial...

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Financial Fraud Update: Card Skimming

Financial Fraud Update: Card Skimming

Recently, security experts have reported an alarming increase in the incidence in account fraud using an older scam — card skimming. Card skimming is the illegal collection of...

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7 Sensible Savings Tips for Senior Citizens

7 Sensible Savings Tips for Senior Citizens

In a world where expenses are on the rise every day, it’s important for senior citizens – especially those on a fixed income – to spend smart and save more. Check out...

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Save Time with Direct Deposit!

Save Time with Direct Deposit!

Fidelity Bank knows that there are more important things in life than going to your bank branch. Save yourself a trip by signing up for direct deposit. No more waiting in line to cash...

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Cheap Alternatives for Expensive Entertainment

Cheap Alternatives for Expensive Entertainment

Looking for ways to cut back on expenses without sacrificing your quality of life? Read below for tips on how to have both a fun—and frugal—lifestyle. 

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Budgeting Basics for Teens

Budgeting Basics for Teens

If you’re a teenager, setting up a budget probably isn’t at the top of your to-do list. But learning how to set up and follow a budget now could have a dramatic impact on...

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Elder Financial Abuse is on the Rise

Elder Financial Abuse is on the Rise

While likely under-reported, estimates of elder financial abuse and fraud costs to older Americans range from $2.9 billion to $36.5 billion annually. 

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Managing Scores

Managing Scores

Recent tallies show a third of U.S. credit scores fall below 649. While not impossible, acquiring a mortgage loan could be more difficult and more expensive at this level than with...

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What is FICO?

What is FICO?

The FICO score is the most popular credit score model in the country. It’s a statistical calculation based on the information in your credit profile.

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Opt-Out of Unsolicited Credit Offers

Opt-Out of Unsolicited Credit Offers

When your credit is pulled for your home loan, credit bureaus could share your personal information.

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How Credit Scores are Calculated

How Credit Scores are Calculated

Understanding the makeup of your credit score is the first step toward buying a home.

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What a Late Payment Can Do to a Credit Score

What a Late Payment Can Do to a Credit Score

A good credit score is important for more reasons than just obtaining new credit. These days, it can factor into everything from landing a new job to getting the best deal on your...

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Are You a Good Saver?

Are You a Good Saver?

Saving can be fun, easy and rewarding if you follow this simple plan!

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5 Money Mistakes & 5 Easy Fixes

5 Money Mistakes & 5 Easy Fixes

It’s scary but true – just a few financial mishaps here and there can add up to a lot of lost cash. Check out these five common money mistakes and follow the advice to help...

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Is an Adjustable-Rate Mortgage Right for Me?

Is an Adjustable-Rate Mortgage Right for Me?

An adjustable-rate mortgage (ARM) can be a great option for many homebuyers, helping to reduce monthly payments and cut long-term costs in some cases.

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Tips & Tricks to Save Money at College

Tips & Tricks to Save Money at College

The rumors are true – college is expensive! But with some insider advice, you’ll be saving money like a pro.

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Teach Your Children about Saving Money

Teach Your Children about Saving Money

Teaching your children about money may seem like a daunting task. So here are some simple, age-specific recommendations on how you can teach your children to be financially responsible ...

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College Students are Ideal Victims for Identity Theft

College Students are Ideal Victims for Identity Theft

When you think of someone who might have his or her identity stolen, the last person you envision is yourself or one of your peers.

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Proven Management Expertise is Critical for SBA Loan Approval

Proven Management Expertise is Critical for SBA Loan Approval

Statistics produced by the U.S. Small Business Administration have proven that a primary reason for a business failure, and a loan default, is inadequate management experience. For that...

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The Cost of a Small Business Loan: SBA Guarantee Fee

The Cost of a Small Business Loan: SBA Guarantee Fee

While an SBA loan through the U.S. Small Business Administration offers a lot of opportunity for the borrower, he or she must understand the costs associated with the loan as well.

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Evaluating Repayment Ability for an SBA Loan Application

Evaluating Repayment Ability for an SBA Loan Application

The SBA requires that the small business qualifying for the loan will ultimately have the capacity on its own to repay the loan

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What is an SBA 7(a) Loan?

What is an SBA 7(a) Loan?

Commonly referred to as a “general purpose small business loan”, SBA 7(a) loans may be used for any legitimate small business expenditure.

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Constructing a solid business plan for your SBA loan application

Constructing a solid business plan for your SBA loan application

SBA loans require business plans because they need to see that the small business owner has a plan for their future. Many small businesses fail due to cash flow issues, and the U.S...

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SBA Loans Through Eligible Passive Companies

SBA Loans Through Eligible Passive Companies

Whether you’re a new small business owner or a seasoned ‘veteran’, a certified lender can help you make SBA financing work for your commercial real estate arrangement....

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Should I Use a Broker to Find an SBA Lender?

Should I Use a Broker to Find an SBA Lender?

There are many loan brokers who can give good direction and financial advice to help you grow your business. But when it comes to SBA loans, I think it is best to work directly with a...

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The Benefits of Seller Second Lien Financing for SBA Loans

The Benefits of Seller Second Lien Financing for SBA Loans

A small business can fall just a bit short in qualifying for SBA financing for a business or small business real estate property. That’s where seller second-lien financing can help.

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When to Add a Personal Guarantor to a Small Business Loan Application

When to Add a Personal Guarantor to a Small Business Loan Application

A good reason for a small business owner to think he can find a compatible lender would be if all five criteria have strong characteristics which can be documented by the lender. The...

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When the Small Business Lender Asks About Your Site Selection

When the Small Business Lender Asks About Your Site Selection

How important is the site selection process for a small business owner? Whether the business owns or leases its business facility, why does the small business lender (including lenders...

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Basic Financial Projections Required for an SBA Loan

Basic Financial Projections Required for an SBA Loan

Whether a business is approaching an SBA government-guaranteed lender for a startup business loan, or whether the business is already established and operating, most SBA lenders want to...

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Why Choose a Variable Rate SBA Loan in a Rising Interest Rate Environment?

Why Choose a Variable Rate SBA Loan in a Rising Interest Rate Environment?

Here are some reasons a floating-rate or variable SBA loan may be more beneficial for a small business, even in a rising interest environment.

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How to Finance Your New Car Wash Facility

How to Finance Your New Car Wash Facility

When you are planning on starting a small business or expanding an existing business, there is one concern that outpaces all others: Financing. Without the right financing, at the right...

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A smart Loan for Automotive Businesses

A smart Loan for Automotive Businesses

Through the SBA, small businesses in the automotive industry can get loans with partial government guaranties from the U.S. Small Business Administration.

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Building Success with an SBA Construction Loan

Building Success with an SBA Construction Loan

Constructing a new building is an exciting venture, but can bring about many dilemmas and potential risks.

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Federal Loan Program Helps build a retirement account with small business real estate

Federal Loan Program Helps build a retirement account with small business real estate

When you own instead of lease, you can build equity to create a valuable piece of commercial real estate. This owned property can then be rented out, or sold, along with business itself...

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SBA Construction loans for small business real estate

SBA Construction loans for small business real estate

For small business owners, it’s one thing to buy a building; however, it is an entirely different challenge to construct a new one. The decision to construct a building brings...

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What is a seller second lien?

What is a seller second lien?

Small business borrowers can use SBA loans to accomplish lower down payments, longer repayment terms, and easier qualifying criteria than conventional bank loans. Sometimes, however, a...

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SBA Financing for Buildings not owned by the small business

SBA Financing for Buildings not owned by the small business

Many small businesses own the real estate where they conduct their operations; however, they are often advised not to own the real estate in the same entity that operates the business.

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A Very Versatile Business Real Estate Loan

A Very Versatile Business Real Estate Loan

SBA government‐guaranteed loans are small business loans with partial government guaranties from the U.S. Small Business Administration. They are available to small businesses in...

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Refinancing Small Business Real Estate with SBA Loans

Refinancing Small Business Real Estate with SBA Loans

Sometimes a small business owner finds himself with onerous monthly payments on his small business property. The story could be one where the factors were all very positive for the...

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Why should a business owner choose SBA financing for real estate

Why should a business owner choose SBA financing for real estate

Tired of paying rent and wanting to own your own business facility? SBA loans offer many benefits for borrowers seeking SBA lending verses traditional bank lending, including assistance...

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Get a Second Wind with Seller Second Lien Financing

Get a Second Wind with Seller Second Lien Financing

SBA loans are an attractive alternative to conventional bank financing because borrowers can use SBA loans to achieve lower down payments, longer repayment terms, and easier qualifying...

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SBA Loan Advantages for Commercial Real Estate Developers

SBA Loan Advantages for Commercial Real Estate Developers

You may already know that SBA loans provide many distinct financial benefits for small businesses. One substantial SBA loan advantage is the ability to ease the overwhelming and...

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Financing Single-Purpose Small Business Real Estate

Financing Single-Purpose Small Business Real Estate

Small business owners sometimes face challenges financing single-purpose (or special-purpose) real estate to operate their businesses.

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Ways commercial real estate brokers benefit from offering SBA financing to buyers

Ways commercial real estate brokers benefit from offering SBA financing to buyers

Small business real estate, and small businesses are often represented for sale by a commercial real estate broker, or a business broker, who will earn a handsome commission from...

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SBA Loans for Commercial Real Estate

SBA Loans for Commercial Real Estate

When you run a small business, getting funding for the real estate you need can be very difficult. Finding the right commercial real estate to fit the needs of your business is a...

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Small Business Real Estate: Ownership vs. Leasing

Small Business Real Estate: Ownership vs. Leasing

Many owners struggle with the decision of whether to buy or lease small business real estate for their operations.

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Dispelling the myth about SBA loans

Dispelling the myth about SBA loans

I cannot tell you how many times I have heard small business owners say that they have not pursued SBA small business loans, because they take too long to procure, and the paperwork is...

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Examples of SBA Financing

Examples of SBA Financing

SBA loans are available for small businesses to finance any legitimate business expenditure. Due to the partial government backing on the loan from the U.S. Small Business...

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The price of your small business dream, is it worth it?

The price of your small business dream, is it worth it?

Government-backed SBA financing is offered to small businesses in order to make small business financing available with lower down payments, longer repayment terms, and easier...

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Facing the challenge of financing a small business start-up

Facing the challenge of financing a small business start-up

You have a dream for a small business start-up. You finally have a business plan which you think will work for you. You even have some savings for seed capital in the business, but it...

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SBA Government-Guaranteed financing for Self-Storage Facilities

SBA Government-Guaranteed financing for Self-Storage Facilities

Investment real estate is typically ineligible for SBA financing, because it is not “owner-occupied” by a small business as required by the U.S. Small Business Administration.

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Qualifying for a Real Estate Mortgage with the SBA Loan Program

Qualifying for a Real Estate Mortgage with the SBA Loan Program

Most small business owners focus upon conserving cash for working capital and for the growth of their businesses. Government-backed financing, with the SBA loan program, is a popular...

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Tips for starting an RV park

Tips for starting an RV park

With summer just around the corner, thousands of RV owners will be hitting the road, which means they’ll be looking for places to park their RVs and to take a rest when the day...

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Why use SBA Government-Guaranteed Financing for a Carwash?

Why use SBA Government-Guaranteed Financing for a Carwash?

When purchasing an existing or constructing a new carwash facility, why would a prospective business owner choose SBA government-guaranteed financing over conventional bank financing?

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Having Dreams of Owning Your Restaurant Real Estate?

Having Dreams of Owning Your Restaurant Real Estate?

Securing financing for single-purpose real estate, like a restaurant, can be more difficult than you think. Read on to find out why, and how an SBA loan can come through for you even if...

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SBA Loans & Leasebacks

SBA Loans & Leasebacks

Many small businesses are advised not to own the business and the real estate where it operates under the same entity. This “leaseback arrangement” can reduce liability and...

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Small Business Resources from SCORE

Small Business Resources from SCORE

Are you looking to start a new business or get small business financing for your current business? Did you know that there is a wealth of FREE small business resources available to you?

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Brokering a great deal on small business property with SBA financing

Brokering a great deal on small business property with SBA financing

Commercial real estate and business brokers earn their commission by finding the best buyer for their client. Normally, this means selling the business or property at the highest price...

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SBA Loans and Small Businesses

SBA Loans and Small Businesses

Small businesses are the backbone of the American economy, providing much needed jobs and services to their communities. With a lot of hard work, and a little luck, anybody can start up...

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Why small businesses should choose SBA loans for real estate

Why small businesses should choose SBA loans for real estate

Funding can be challenging for small business owners, especially when it comes to purchasing real estate where the business operates.

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SBA Lenders can order appraisal before your purchase is negotiated

SBA Lenders can order appraisal before your purchase is negotiated

Whether you are purchasing a small business, or you are purchasing a building for your small business, SBA government-guaranteed financing can almost always provide a lower down payment...

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SBA Loans for Franchises

SBA Loans for Franchises

SBA government-guaranteed loans are often used for financing the purchase or start-up of a franchise business. As with non-franchise businesses, SBA loans almost always have lower down...

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Finding the right location for your franchise

Finding the right location for your franchise

The success or failure of your franchise hinges upon one thing: location. The location you choose for your franchise will be the deciding factor in whether you become the owner of a...

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Small Business Loan Criteria: Owner Equity Requirements

Small Business Loan Criteria: Owner Equity Requirements

Every small business lender has its own individual appetite for the types and sizes of loans it wants to fund. By the same token, each lender will find comfort in granting the loan...

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How to Get Small Business Financing with Only 10% Down

How to Get Small Business Financing with Only 10% Down

Believe it or not, an owner can sometimes obtain small business financing from a bank to buy a small business property with only 10% of the project cost as a down payment!

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When should a small business owner consider SBA financing for their real estate instead of conventional bank financing?

When should a small business owner consider SBA financing for their real estate instead of conventional bank financing?

Since many businesses have a track record and good relationship with a conventional bank lender, SBA financing may not be appropriate for them. The business owner who will benefit from...

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Why would a commercial real estate developer be interested in SBA financing?

Why would a commercial real estate developer be interested in SBA financing?

SBA financing eligibility is attributable to real estate that is “owned and occupied” by a small business. If buying an existing property, the small business operating...

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The SBA Loan Approval Process and Time Frames

The SBA Loan Approval Process and Time Frames

The U.S. Small Business Administration has been supporting small business owners in the United States since its inception in 1953. Its lead program, the SBA 7(a) government-guaranteed...

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THE ADVANTAGES OF AN SBA LOAN for Real Estate

THE ADVANTAGES OF AN SBA LOAN for Real Estate

There are many reasons why a small business owner might choose SBA financing over traditional bank loans, but the primary reasons for choosing SBA loans for real estate have to do with...

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HOW DO SMALL BUSINESSES BENEFIT FROM AN SBA LOAN?

HOW DO SMALL BUSINESSES BENEFIT FROM AN SBA LOAN?

The SBA government-guaranteed loan program may provide lower down payments, longer repayment terms, and easier qualifying criteria than conventional bank loans.

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Making Home Improvements? Save Some Cash!

Making Home Improvements? Save Some Cash!

Home improvements can be costly, but with good planning – and a consideration of your skills and free time – you can most likely save a good chunk of cash on your next project!

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Don’t Get Tripped Up by Trip Expenses

Don’t Get Tripped Up by Trip Expenses

Vacation season is here! Whether you’re dreaming of white-sand beaches, snow-capped mountains or attraction-packed cities, there’s one thing these destinations all have in...

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How Much Should Your House Cost Every Month?

How Much Should Your House Cost Every Month?

Housing costs vary from city to city and neighborhood to neighborhood, but the general rule is to spend no more than one-third of your monthly household income on a mortgage. When...

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Potential Budget Busters for First-Time Homebuyers

Potential Budget Busters for First-Time Homebuyers

Eager to finally kick your rent payments to the curb and take the step toward homeownership? If so, you’re certainly headed down an exciting path. Homeownership brings with it the...

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Treasure the Trees: Celebrating Arbor Day

Treasure the Trees: Celebrating Arbor Day

In the ever-increasing roster of awareness days competing for attention, Arbor Day has gotten short end of the stick. But as environmental awareness continues to grow, so does interest...

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Welcome Spring, Upgrade Your Outdoors

Welcome Spring, Upgrade Your Outdoors

2018 is already in full swing, but when it comes to your yard, the arrival of spring is actually the start of the new year for your yard. As the cold weather subsides, now is the...

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Five Helpful Hacks To Deep Clean Your Digs

Five Helpful Hacks To Deep Clean Your Digs

Winter has faded, and everyone is eagerly looking forward to all things spring: fresh flowers, firing up the barbeque and…cleaning? Not so much. The end result of a thorough...

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WHAT MAKES REAL ESTATE ELIGIBLE FOR SBA FINANCING?

WHAT MAKES REAL ESTATE ELIGIBLE FOR SBA FINANCING?

The SBA government-guaranteed loan program provides lower down payments, longer repayment terms, and easier qualifying criteria than conventional bank loans. Small businesses may use...

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The Advantages of SBA Construction Loans for Small Businesses

The Advantages of SBA Construction Loans for Small Businesses

When a small business owner decides that the business needs to own a newer, larger, or better facility for their operation, they have two choices. Should the business buy an existing...

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Save the Deal With Seller Second Lien Financing

Save the Deal With Seller Second Lien Financing

The U.S. Small Business Administration provides a valuable tool to help business brokers and commercial real estate brokers sell small businesses and small business properties. Whenever...

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Advantages of SBA Financing

Advantages of SBA Financing

If you are buying a business, expanding a business, buying out a business partner, or starting a new business, an SBA loan may be your best solution for financing. SBA loans almost...

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A Smart Loan for Automotive Business Real Estate

A Smart Loan for Automotive Business Real Estate

Americans love their automobiles, and many small businesses exist to accommodate the purchase, sale and servicing needs of vehicle owners. Operating an automotive business often...

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3 Ways SBA Loans Finance Small Business Real Estate with Only 10% Down

3 Ways SBA Loans Finance Small Business Real Estate with Only 10% Down

Small business owners want to conserve cash to grow their business. When they need a new facility for business operations, the down payment requirement for traditional bank financing...

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What Happens After You Freeze Your Credit?

What Happens After You Freeze Your Credit?

If you’ve been a victim of identity theft, the first thing you should do is put a “freeze” on your credit report by calling the three credit bureaus (Experian®...

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Top Three Tax Time Tips to Reduce Stress

Top Three Tax Time Tips to Reduce Stress

It’s no secret that tax time can be taxing on one’s stress levels. Fortunately, a few simple tips can greatly improve your tax filing experience...

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Tips for Buying in a Seller’s Market

Tips for Buying in a Seller’s Market

There’s no doubt that the real estate market is tough for buyers this year. With many people hoping to lock in still-low rates, house prices are on the rise and fewer homes are...

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Tips for Being Financially Safe in 2018

Tips for Being Financially Safe in 2018

As 2017 ends and the New Year begins, we should review some financial safety tips.

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The Store Credit Card Trap: The Simple Solution

The Store Credit Card Trap: The Simple Solution

Let’s face it – it can be hard to say no to the perky retail clerks trying to coax you into signing up for their store credit cards. After all, “You’ll get 10...

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Show Your Home Some Love

Show Your Home Some Love

Are you feeling a little blah about your home? Sometimes, after a few years, your “dream home” becomes a little less “dreamy”. Use these tips to get a “new...

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Save Money While Helping the Environment

Save Money While Helping the Environment

It’s what we call a win-win: you save money and you also help the environment. Here are some easy ways to be a green hero...

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Protect Your Online Banking Account

Protect Your Online Banking Account

Although online banking is safe and secure, you should always take special care when banking online. Use these tips as a guide to ensure that you are protecting your account.

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More Characters Means a Stronger Password!

More Characters Means a Stronger Password!

Your passwords are the most common way to prove your identity when using Online Banking. The use of strong passwords is therefore important to protect your security and identity. The...

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Make Your Money Plan: The Key to Your Financial Success

Make Your Money Plan: The Key to Your Financial Success

It’s easy to postpone the habit to save, but a solid plan is key to success. By following some basic guidelines, you’re more likely to achieve financial security. We...

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Know What is in Your Credit Record – Get Your Free Report

Know What is in Your Credit Record – Get Your Free Report

Your credit report can affect whether or not you qualify for credit (mortgage, loans, credit cards, etc.) and the interest rates you pay on that credit. Your credit report is also used...

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Getting Your First Credit Card: The Dos and Don’ts

Getting Your First Credit Card: The Dos and Don’ts

Ready to make the big leap into the land of credit? Credit cards offer great ways to earn points and rewards, get peace of mind for emergencies, and build your credit history. But...

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Cybersecurity: Protecting Yourself and Your Family

Cybersecurity: Protecting Yourself and Your Family

Staying safe online is now a big part of our everyday lives. It’s crucial to review your family’s digital habits and make smart decisions to help protect personal...

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Buying Vs. Renting

Buying Vs. Renting

To rent or to buy? It’s the question that everyone has to ask themselves when it comes to finding a place to live. Buying a home is a big step and a good investment – you...

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Are You at Risk of Becoming a Victim of Identity Theft?

Are You at Risk of Becoming a Victim of Identity Theft?

You may think that identity theft or fraud won’t happen to you, but the truth is that more than 15 million Americans will experience fraud this year. Anyone could become a victim...

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6 Questions First-Time Homebuyers Should Ask Themselves

6 Questions First-Time Homebuyers Should Ask Themselves

Are you ready to settle down? Consider the longevity of your job, your personal life and the responsibilities involved in home ownership. Evaluate your current life stage before...

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Clean Up Your Finances for the New Year

Clean Up Your Finances for the New Year

After a year of spending, saving, paying off bills and racking up rewards points, your financial life can get a little messy. And now that the holiday season is over, it is a great time...

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Don’t Blow that Holiday Bonus!

Don’t Blow that Holiday Bonus!

If you’re like most people, you’ve probably decided how you want to spend your holiday bonus before you even have the check in hand. Maybe you’re planning to take off...

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Safe Online Shopping

Safe Online Shopping

The holidays can be a busy time of year, and doing your holiday shopping online can be a great way to save time while you find the right gifts at the best price. You’ll skip the...

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Spend Smart This Holiday Season

Spend Smart This Holiday Season

It’s easy to go overboard when shopping for holiday gifts, but the fallout from seasonal overspending can last all year. Follow this helpful advice for getting a grip on holiday...

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Savings Has a Gender Gap, Too

Savings Has a Gender Gap, Too

Saving money is saving money – it should be the same for men and women, right? Wrong. Sure, a return on a CD or a dividend rate on savings accounts is not gender-biased. However...

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8 Money Tips for College Grads

8 Money Tips for College Grads

You’ve graduated from college – congratulations! If you got a job, you’re probably excited to ditch the instant noodles and fast food, but now is not the time to...

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How Will You Pay for College?

How Will You Pay for College?

With college tuition rising almost twice as fast as the inflation rate, many prospective undergrads can end up feeling lost when planning their financial future. If college students are...

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Budgeting for a Baby

Budgeting for a Baby

Yes, children are priceless, but raising them is far from it. Many people plan for the changes a baby will bring to their lives when it comes to free time and lack of sleep, but forget...

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Advice for Your First Job

Advice for Your First Job

Whether you’re starting to babysit, mow lawns, take food orders or do something else to make money, here’s some helpful advice from financial experts for your first job... ...

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Budgeting Basics for Teens

Budgeting Basics for Teens

If you’re a teenager, setting up a budget probably isn’t at the top of your to-do list. But learning how to set up and follow a budget now could have a dramatic impact on...

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10 Financially Savvy Moves for Your 20s

10 Financially Savvy Moves for Your 20s

Everyone knows the adage, “Time is money,” and that adage certainly applies to making the most of your money in your 20s. Those in their 20s have the greatest financial...

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CYBERSECURITY WHILE TRAVELING

CYBERSECURITY WHILE TRAVELING

Cybersecurity should not be limited to the home, office, or classroom. It is important to practice safe online behavior and secure our Internet-enabled mobile devices whenever we travel...

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HOW TO RECOGNIZE &  PREVENT CYBERCRIME

HOW TO RECOGNIZE & PREVENT CYBERCRIME

Cybercrime comes in many forms including identity theft, financial fraud, stalking, online bullying, hacking, and more. At best, cybercrime can cause major inconvenience and annoyance...

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Mobile Security

Mobile Security

Almost all Americans, regardless of age, are using mobile devices. Often, mobile devices are used for sensitive activities, including banking, online shopping and social networking...

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MOBILE PAYMENTS AND  BANKING

MOBILE PAYMENTS AND BANKING

More and more frequently, consumers are using their mobile devices for online banking, payments, and shopping. We can now check our bank account balances, deposit a check using a mobile...

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Live Well on Less

Live Well on Less

In an era when Americans have a lower savings rate than during the Great Depression, it seems that “budget” is a dirty word. Eating out, $5 cups of coffee and designer...

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Is a Home Inspection Required

Is a Home Inspection Required

We're often asked if a home inspection is required. The answer is usually no, but that doesn't mean you shouldn't have one done. You're making a large investment. Having...

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Would a USDA Loan Work for You

Would a USDA Loan Work for You

USDA loans are backed through the Rural Housing Division of the U.S. Dept. of Agriculture. They are available to millions of eligible primary home buyers with low to moderate incomes or...

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Protect Yourself Against Wire Fraud

Protect Yourself Against Wire Fraud

Wire transfers are a tried and true way to send money, both locally and around the world, with many controls put in place by both the sending and receiving banks.  However, there...

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Make the Most of Your Summer Job

Make the Most of Your Summer Job

As a teen, you’re likely aware that the obvious benefit of working a summer job is the opportunity to earn money. But what you may not realize is that along with your paycheck, a...

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The Benefits of Buying a New Home

The Benefits of Buying a New Home

Once the decision to buy a home is made, your next choice will be whether to buy an existing home or new construction. Sometimes the decision to buy a new home is made very early in the...

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Are you wondering if no credit is just as bad as poor credit?

Are you wondering if no credit is just as bad as poor credit?

It can be. You need to have at least a few established credit accounts to develop a score, and you need a score for most loan programs.

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Managing Credit Scores

Managing Credit Scores

Recent tallies show a third of U.S. credit scores fall below 649. While not impossible, acquiring a mortgage loan will likely be more difficult and more expensive at this level than...

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What Can a Late Mortgage Payment do to your Credit Score?

What Can a Late Mortgage Payment do to your Credit Score?

A good credit score is important for more reasons than just obtaining new credit. These days, it can factor into everything from landing a new job to getting the best deal on your...

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Understanding the makeup of your credit score is the first step toward buying a home.

Understanding the makeup of your credit score is the first step toward buying a home.

As you might expect, payment history is the most influential component in your credit score, followed closely by the amounts you owe. To lesser degrees, the length of time you've...

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3 Tips To Getting Your Home Sold Faster

3 Tips To Getting Your Home Sold Faster

The housing market is tough, and the competition is fierce. Being aware of how much a home is worth before putting it on the market can save money, time, and frustration. For this...

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My Money Program

My Money Program

The My Money Program, created by the Florida Department of Financial Services is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with...

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5 tips to say “I do” to online security

5 tips to say “I do” to online security

Guest lists. Budget. In-laws. Fitting into your dress. And spreadsheets. If you’re a bride or groom, you’ve probably got a lot on your mind — and on your to-do list...

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Phone verification: providing your phone number for an extra layer of protection

Phone verification: providing your phone number for an extra layer of protection

If you’ve used an email provider in the past few years, you may have been asked to provide a phone number to help verify your account. As we start to conduct more and more of our...

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So you’ve had a data breach, now what?

So you’ve had a data breach, now what?

Organizations of all industries and sizes that hold and transmit people’s personal information should keep it secure from unauthorized access and use. But what if there is a data...

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Paying your friends through an app? Read this.

Paying your friends through an app? Read this.

Like apps that let you pay at stores with your phone, “peer-to-peer” payment services can be a convenient way to pay friends. But before you use one — or use one again...

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Online Shopping Safety Tips

Online Shopping Safety Tips

The Internet has been instrumental in re-shaping commerce, even on a personal level. Today, millions of people browse online marketplaces for products that can be shipped right to their...

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Passwords & Securing Your Accounts

Passwords & Securing Your Accounts

Passwords are like keys to your personal home online. You should do everything you can prevent people from gaining access to your password. You can also further secure your accounts by...

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Everything You Need to Know About Fannie Mae's HomeReady Mortgage

Everything You Need to Know About Fannie Mae's HomeReady Mortgage

Traditionally, getting a mortgage requires you to have a level of income appropriate to the size of home that you're buying. But for a lot of low-income borrowers, a simple measure...

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How to Smartly Leverage Your Home Equity

How to Smartly Leverage Your Home Equity

So you've been a homeowner for some time. You've been faithfully paying off your mortgage for years, and you have a fair bit of equity built up in your home – and that...

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Hunting for the Best Local Schools?

Hunting for the Best Local Schools?

There are numerous factors that you may review when choosing a new place to live. If you have children, the quality of the schools and the level of education that your kids will receive...

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Recent College Grad? Learn How to Successfully Juggle Student Loans and a New Mortgage

Recent College Grad? Learn How to Successfully Juggle Student Loans and a New Mortgage

If you recently graduated from college and are about to become a homeowner, you're in a somewhat unique position. You're about to embark on a great journey, but at the same time...

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Second Home

Second Home

Purchasing a second home is not a decision to be taken lightly. But if it is something you've always wanted, the means for making that dream come true are not as difficult as you...

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Refinance Traps

Refinance Traps

What perceptions might be keeping you from saving money with a refinance?

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Mortgage Refinance Do's and Dont's

Mortgage Refinance Do's and Dont's

Continue to make your regular payments. However, if you have a payment due just prior to your scheduled closing, consult with us first. It may be best to pay at the closing rather than...

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5 Ways to Avoid Overdraft Fees

5 Ways to Avoid Overdraft Fees

Five useful tips that will help you avoid overdraft fees.

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Rookie Mistakes: Don't Make These 4 First-time Home-buyer Mistakes

Rookie Mistakes: Don't Make These 4 First-time Home-buyer Mistakes

Buying your first home is exciting. Many young people view homeownership as the definitive mark of adulthood, the final milestone on a decades-long journey. And while becoming a...

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Budgeting for a New Home? 3 Costs to Consider in Your Overall Budget

Budgeting for a New Home? 3 Costs to Consider in Your Overall Budget

If you're planning to buy a new home in the near future, you're probably working hard to prepare a budget and determine how much you can afford before you start viewing homes...

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Your Guide to Preventing and Managing Overdraft Fees

Your Guide to Preventing and Managing Overdraft Fees

An overdraft can occur when you try to spend more money than you have available in your checking account.

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FDIC Cybersecurity Awareness

FDIC Cybersecurity Awareness

Safety Precautions for Internet Banking or Shopping

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Fraud Alert

Fraud Alert

Protect yourself from hackers that may attempt to contact you with an automated telephone call claiming to be with the Bank’s Security department. The automated call states the...

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What to Do with Your Retirement Savings When Changing Jobs

What to Do with Your Retirement Savings When Changing Jobs

Even though we usually accept new positions for positive reasons, changing jobs can still be stressful, especially on finances. One of those financial stress factors is deciding what to...

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Saving for Retirement: What Works Best?

Saving for Retirement: What Works Best?

If you said “winning the lottery” or “inheriting money,” you’re missing the big picture. While it might be fun to dream, the only sure way to have enough...

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A Retirement Budget That Works

A Retirement Budget That Works

There’s no time like the present to start thinking about your retirement budget — even if retirement is still several years away. By looking ahead, you’ll be able to...

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Trusts: Are You Truly Prepared for the Future?

Trusts: Are You Truly Prepared for the Future?

We never know what the future might hold. The loss of a spouse, starting a family business, retirement, divorce, increased travel…all of those significant events can impact your...

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Traveling Abroad

Traveling Abroad

If you will be traveling abroad and intend to use your Fidelity Bank debit card during your trip, please call to let us know! To protect your financial information, we place a freeze on...

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Stay Out of Debt: Create an Emergency Fund

Stay Out of Debt: Create an Emergency Fund

According to a survey by Bankrate.com, more than one-quarter of Americans (27 percent) have no emergency savings, and only half say they have enough to cover three months’ worth...

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Save Time with Direct Deposit!

Save Time with Direct Deposit!

Fidelity Bank knows that there are more important things in life than going to your bank/credit union. Save yourself a trip by signing up for direct deposit. No more waiting in line to...

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Protect Your Loved Ones with Life Insurance

Protect Your Loved Ones with Life Insurance

Purchasing life insurance is an easy way to protect your loved ones and is an important part of any financial plan. Sometimes it may seem that purchasing the right life insurance isn...

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How to Live on One Income Instead of Two

How to Live on One Income Instead of Two

Whether your spouse got laid off, a baby is on the way or you just want to spend more time with the kids, there are times in life that call for living off only one salary instead of two...

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Go Green!

Go Green!

You’ve probably spent plenty of time thinking about how to invest your money, but how often have you considered investing in the environment? Global warming is a pressing issue...

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Building an Emergency Fund

Building an Emergency Fund

While many people think they’re immune to a financial crisis, the type of situation described above could happen to just about anyone. That’s why it’s crucial&mdash...

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Tips for ATM Safety

Tips for ATM Safety

ATMs and debit cards offer quick access to your money when you’re on the go. Most of us have come to rely on the convenience they provide, but it’s important to use caution...

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Online Banking

Online Banking

For day-to-day monitoring of your Fidelity Bank accounts, nothing beats Online Banking. All you need is a spare moment to log on to the Internet and you can keep tabs on your account...

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Understanding Private Mortgage Insurance

Understanding Private Mortgage Insurance

With the fluctuating economy, many young families have to save more, and wait longer, to own a home. However, a low down payment home mortgage offers an opportunity to shorten the wait....

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Tips to Sell Your Home Faster

Tips to Sell Your Home Faster

If you are gearing up to sell your house, you’re probably wishing for a fast and painless process. One way of increasing your chances of a quick sell is by sprucing the place up...

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Tips to Increase the Resale Value of Your Home

Tips to Increase the Resale Value of Your Home

Everyone knows that home improvements – in general – can help boost a home’s resale value. But don’t kid yourself into thinking that all home improvements will...

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Want to Buy a Foreclosed Home? Get the Facts.

Want to Buy a Foreclosed Home? Get the Facts.

Home prices are falling all across the country, but foreclosures are on the rise. If you’re in the market to purchase a home and have been considering a foreclosure, it can become...

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Selling Your Home for Top Dollar on a Tight Budget

Selling Your Home for Top Dollar on a Tight Budget

When it comes to making improvements, be careful about where you choose to spend your money. If you want to purchase new appliances for the kitchen and put hardwood floors in the master...

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Making Home Improvements? Save Some Cash!

Making Home Improvements? Save Some Cash!

Home improvements can be costly, but with good planning – and a consideration of your skills and free time – you can most likely save a good chunk of cash on your next project!

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Get a Mortgage from the People You Trust

Get a Mortgage from the People You Trust

Every house needs a solid foundation, and a mortgage from Fidelity Bank is just the foundation you need. Whether you’re applying for a new loan or refinancing your existing...

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Stop. Think. Connect.

Stop. Think. Connect.

Remember these tips when using Wi-Fi: Keep an updated machine. Having the latest security software, operating system, Web browser and apps can help protect you from the malware and...

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Protect Yourself from Identity Thieves

Protect Yourself from Identity Thieves

The number of Americans who have experienced identity theft has surpassed 27 million, with the incidence rate increasing every year. Substantial measures are in place at Fidelity Bank...

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Preventing Debit Card Fraud

Preventing Debit Card Fraud

Consumer use of debit cards is surging in popularity, and unfortunately, so is debit card fraud. To avoid becoming a victim of debit card fraud, the American Bankers Association offers...

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Online Banking Security Tips and Tactics

Online Banking Security Tips and Tactics

The exponential growth in online business transactions and the prevalence of mobile and smart phone usage is making safety and security an essential consideration when conducting...

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Mobile Fraud Prevention Tips

Mobile Fraud Prevention Tips

Set the phone to require a password to power on the handset or awake it from sleep mode. If it's lost or stolen any personal information stored on the device will be more difficult...

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How Long Should You Keep Your Statements?

How Long Should You Keep Your Statements?

We all have one – that desk drawer or folder stuffed with financial paper statements. Every once in a while, you might go through and throw out everything you don’t &ldquo...

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Giving Out Your Social Security Number

Giving Out Your Social Security Number

With the extreme surge in identity theft these days, you should heed extra caution to carefully protect your Social Security number. Avoid giving it out unless you are convinced it is...

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Free Credit Reports

Free Credit Reports

Whether you are applying for an auto loan or a credit card, what you have done with your finances in the past may affect whether or not you get the new line of credit – and often...

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Email Fraud Prevention Tips

Email Fraud Prevention Tips

Remember, email is not a secure form of communication. So feel free to use your email, but don’t use it to send or receive confidential information. And if you follow the four...

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Don’t Take the Bait -- Protect Yourself from Phishing Scams

Don’t Take the Bait -- Protect Yourself from Phishing Scams

Phishing is a type of online scam designed to get valuable personal data from you – like your Social Security number, credit card numbers, passwords, account data and other...

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Create a Hacker-proof Password

Create a Hacker-proof Password

Online passwords may seem more like a nuisance than a security device, but creating hacker-proof codes is extremely important. It is tempting to create passwords that are easy to...

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College Students are Ideal Victims for Identity Theft

College Students are Ideal Victims for Identity Theft

If you’re a college student, you’ll want to read this! When you think of someone who might have his or her identity stolen, the last person you envision is yourself or one...

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Follow Your Instinct – Start Saving for Retirement Now

Follow Your Instinct – Start Saving for Retirement Now

There it is again — that nagging feeling that you should be setting money aside for retirement. Listen to your intuition and contact Fidelity Bank to discuss how an Individual...

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10 Easy Ways to Save Money

10 Easy Ways to Save Money

There is a lot of advice going around for how to save money, but here are some tips that are useful… and totally easy to follow!  

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Manage Your Money on the Go

Manage Your Money on the Go

Mobile Banking from Fidelity Bank puts banking at your fingertips! You’re busy, and managing your money on the go can be a challenge. Now you can stay on top of your finances...

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Sign Up for e-Statements

Sign Up for e-Statements

Save time. Save space. Save money. Save a tree! Environmentally-conscious and security-minded people are choosing to receive e-Statements in place of traditional paper statements...

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Does it Pay to Refinance?

Does it Pay to Refinance?

With interest rates at historic lows, you may be wondering if this is the time to refinance your home loan. While it’s hard to say “no” to super low rates, refinancing...

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Children and Identity Theft

Children and Identity Theft

Financial institutions, credit card companies and the media often warn adults about the dangers of identity theft, but what about children? According to the Federal Trade Commission...

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Check Washing: What is it?

Check Washing: What is it?

Using a process known as check washing, mail snatchers erase the ink on a check with chemicals found in common household cleaning products and then “reuse” the checks by...

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Beware of Fake Check Scams

Beware of Fake Check Scams

Here’s a scenario that’s already victimized hundreds of unsuspecting people: Have you ever received a letter and cashier’s check claiming you’ve won a...

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How to Save Money When Buying Auto Insurance

How to Save Money When Buying Auto Insurance

Purchase a car you can afford to insure, or drive a "low profile" car equipped with specific money-saving safety features. Insurance costs vary by make and model, so be sure...

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10 Ways to Save Money on Fuel

10 Ways to Save Money on Fuel

Depending on the type of vehicle you drive, filling up your gas tank may mean emptying your wallet. By incorporating several fuel-efficient strategies into your daily life, you’ll...

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