Nov 252021

Online Banking – A Quick Guide to Simplifying Your Finances

Posted on November 25, 2021 Uncategorized

    For some people, online banking is second nature when it comes to their finances; with just about every financial institution having their own app, it’s incredibly easy to take care of your bills and bank accounts with a few finger taps. But for those who are used to a more “old school” way of managing their money, online banking can come off as unsecured and difficult to understand.   However, many people would be surprised to know that that’s not the case. Financial technology has been booming over the last several years, and it’s getting more secure, more

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Nov 232021

Black Friday 101- How to Successfully Tackle Your Holiday Shopping

Posted on November 23, 2021 Uncategorized

  The official start of Christmas shopping season is almost upon us! This Friday marks Black Friday, a day in which you can clean up with great deals at retailers of all kinds. From big box stores to smaller shops, you can find great bargains almost everywhere. However, it can be a stressful experience, both for your brain and for your pocketbook.   Before embarking on your holiday shopping journey, it’s important to make a plan so you don’t overspend, and to ensure you’re choosing the perfect gifts for your friends and family. Here are a few of our tips

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Nov 122021

Budgeting and Saving as a College Student

Posted on November 12, 2021 Uncategorized

    For young adults, college is a place of learning – but what you learn isn’t simply limited to a classroom. Learning how to create and stick to a solid budget is one of the most important steps in becoming a full-fledged adult, and there’s no better time to start than when you’re still on your way to the working world. If you take on a job in college, understanding how much you earn every month and how you spend it is crucial in determining your financial comfort, and will help you in the future.   Here are a

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Nov 102021

Fun Ways to Enjoy Your Retirement Years

Posted on November 10, 2021 Uncategorized

    You’ve finally reached that goal you’ve been working toward your entire adult life – retirement. So, what comes next? Now that you’re resting comfortably in your golden years, it doesn’t mean you have to pack it in for good; there’s plenty to do and see now that you’re not on the 9 to 5 plan.   If you’re retired and looking for ways to keep busy and branch out into new opportunities, here are a few great ideas:   Don’t ignore the travel bug.  Now that you’re on your own schedule, why not take advantage of all this

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Oct 302021

Budgeting for the Holidays – Get Started Early

Posted on October 30, 2021 Uncategorized

  Summer is officially over and we’re well into fall, and 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 on how to best save

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Oct 262021

Preparing Your Car for Winter

Posted on October 26, 2021 Uncategorized

    Regardless of where you live in the United States, the onset of winter weather can be a shock after warm summer and fall months if you aren’t prepared. And when it comes to your car, keeping it in shape and well taken care of during cold months can save you a lot of money in repairs and maintenance. Before winter gets here, take the time to do an inventory of your car to see what maintenance might be needed to keep it protected and running smoothly.   Here are a number of things to check out on your

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Oct 172021

Talking Money with Your Future Spouse

Posted on October 17, 2021 Uncategorized

    Getting married is one of the most exciting and life-changing experiences for any adult. However, when you decided to spend the rest of your life with someone, you’re making big changes in all aspects of your lives as well. One of the biggest and definitely the most important steps is deciding how to handle your finances once you’re legally married. It can certainly be a challenge, but it can easily be done with the right amount of communication and discussion. The decisions you make as a married couple can affect the future of your finances for years to

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Oct 122021

Home Renovation Tips to Improve Value and Comfort

Posted on October 12, 2021 Uncategorized

    Whether you’re comfortable in your home, or you’re considering putting it on the market, taking on renovations can be an expenditure that pays off in the long run. It’s almost impossible to find a house that has everything you need already built into it, so renovating and remodeling can help you curate your ideal home. And if you choose to sell your house down the road, these renovations can help drive up its value and bring in more potential buyers.   If you’re interested in tackling a home renovation, here are a few places to start:   Upgrading

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Oct 042021

How to Cope with Financial Stress

Posted on October 04, 2021 Uncategorized

      When it comes to different kinds of stress, financial stress may be among the most difficult. The concerns you may have about your financial situation may be overwhelming, and can lead to health problems if not managed. A recent survey showed that more than 60 percent of Americans are living paycheck to paycheck, which can lead to money problems down the road, and can certainly be a cause of financial stress.   If you have concerns about your finances and are looking for ways to deal with the stress that comes with it, here are a few

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Sep 272021

Why You Should Consider a Business Loan

Posted on September 27, 2021 Uncategorized

    As any business owner can tell you, there’s one important factor when it comes to getting a new business off the ground – money. Whether you already have the funding on hand or you need to secure the funds you need, getting off on the right foot financially is key in getting started. One way to get your small business up and running is by securing a business loan. Polam offers a number of financial services for our entrepreneurial-minded members, including business loans with low rates and flexible terms.   If you’re considering applying for one of our

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