Jan 312018

The Power of Buying American

Posted on January 31, 2018 Uncategorized

  In this day and age, it can be difficult to buy products that are made in the United States. We live in an era of outsourcing, as it cuts overhead costs for big businesses and materials are cheaper to buy overseas. If a company can save a chunk of money by moving operations to another country, they have less incentive to keep their productions here in America.   However, you’ll be relieved to know that despite this, it’s still easy to buy American, and what’s more, you can do your part as a consumer to make your purchases count.

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Jan 242018

Why Millennials Should Choose a Credit Union

Posted on January 24, 2018 Uncategorized

  Since the Great Recession in 2008, millennials have become more and more cautious about the security of their money and banking overall. It’s not uncommon for a millennial to be distrusting of financial institutions, but many don’t know they have other options.   Credit unions are smaller than banks, and when you join, you become a member and co-owner, which is why we believe credit unions like Polam FCU are a great choice for any millennial who’s looking for a better banking experience. Here are a few reasons why we feel this way.   You’re not just a member,

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Jan 162018

Understanding Your Credit Score

Posted on January 16, 2018 Uncategorized

  Regardless of whether you’re starting to build credit for the first time, or you’ve been building credit for decades, it’s not hard to get confused about how your credit score is calculated. There are a seemingly endless number of factors that go in the makeup of your credit score, including but not limited to payment history, credit use and utilization, and the number of accounts you have. One of the most important first goals you should have in terms of your financial goals is understanding your credit score, how it’s calculated by major financial institutions, and how you can

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Jan 102018

Owning a Dog – What Costs to Expect

Posted on January 10, 2018 Uncategorized

  Dogs are commonly known as “man’s best friend” – and few would dispute that notion. Adopting a four-legged friend into your family is one of the best things you can do for the critter you welcome into your home, and having a dog can also be incredibly therapeutic. Winter is often a popular time to adopt, because the chilly weather can leave people wanting to bring home a warm, cuddly puppy.   However, as we all know, adopting a dog can add a number of expenses to your budget. Some of these costs are pretty obvious, whereas some are

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Jan 032018

New Year’s Resolutions and Your Finances

Posted on January 03, 2018 Blog, Blog, Blog, Blog, Blog, Group A, Group A, Group A, Group A, Group A

  It’s the first week of 2018, and people everywhere are outlining their New Year’s resolutions. So many people around the world make resolutions related to their finances and fiscal responsibility, as there is no dearth of ways one can make improvements to how they manage their finances. Whether it’s something as simple as cutting out one frivolous luxury a week, or as complicated as a complete overhaul of their recording systems, the resolution possibilities are seemingly endless.   As part of our mission to give our members a better banking relationship, we have a few ideas for good New

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