Oct 292018

Credit Score Myths to Ignore

Posted on October 29, 2018 Uncategorized

  As most people know, maintaining a credit score over 600 is ideal. Oftentimes, if your score drops below that number, it can affect the kinds of loans you’ll qualify for, your ability to rent a house or apartment, and credit card interest rates. However, while you should be vigilant about keeping your credit score above 600 (ideally higher), there are myths regarding what can and can’t affect your credit history and score.   Staying on top of your credit is important. But to avoid any additional stress that comes with that, here are a few myths about your credit

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Oct 232018

Financial Bad Habits and How to Break Them

Posted on October 23, 2018 Uncategorized

  Admit it: we all have one or more financial habits that need to be broken, but are still hard to break. Human beings as a whole tend to be creatures of habit, and unfortunately, unlike benign habits such as watching a certain show every night, or having your morning tea, financial habits that can harm your bank account and credit score are highly important to break in order to achieve true financial stability. Some of these habits seem obvious, whereas with others, you may not even know you’re doing them. Here are some of these bad financial habits, and

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Oct 162018

First Time Homeowners – What to Anticipate

Posted on October 16, 2018 Uncategorized

  Buying your first home is a huge step for any person who’s had an interest in buying a home, whether it’s for themselves or for their family. HGTV makes it look easy (and entertaining), but there’s so much more to buying a home than just looking for what’s perfect for you. There are a lot of steps going into it, and it’s important to be prepared.   At Polam, we understand the desire to be a homeowner. Here are a few things to consider before taking the big plunge.   Look into what you can afford. As any veteran

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Oct 092018

Talking Money with Your Partner – Getting Started

Posted on October 09, 2018 Uncategorized

  As many might already know, finances and money stress is one of the leading causes of arguments between two people who are in a relationship, marital or otherwise. Whether it’s over big-ticket purchases, overspending, debt, or excessive bills, any kind of financial strain can also lead to stress at home. However, as many couples can attest to, there are ways you can work with your significant other to lessen this stress. Here are a few tasks you can take to get on the same page when it comes to your money.   Find out your partner’s hot buttons when

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Oct 022018

3 Tips for Early Holiday Savings

Posted on October 02, 2018 Blog, Blog, Blog, Blog, Blog, Group A, Group A, Group A, Group A, Group A

  Summer is officially over and we’re well into fall – where has the time gone? Every year it feels like the Christmas season is approaching faster and faster with not much time to plan for it, especially financially. Whether it’s buying presents for friends and family, taking trips for Thanksgiving or Christmas Day, planning a big meal or party, or all of the above, the holiday season can be financially taxing for anyone.   Instead of scrambling in late November to purchase everything you need without breaking your budget, why not start planning now? Here are a few tips

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