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 Uncategorized

  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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Sep 252018

4 Tips on Saving Money on Fall / Winter Attire

Posted on September 25, 2018 Uncategorized

  It’s after Labor Day, your kids are back in school, and you’ve already tackled all the back-to-shopping to prepare them for the year. However, it’s also already officially fall, which means you’re going to need to switch out your summer wardrobe to clothes that keep you more warm. Bay Area residents often experience damp, rainy weather in the fall and winter, so stocking up on warm clothes, bedding, and winter outerwear is absolutely important.   However, there are plenty of ways to stock up on fall and winter clothes without breaking the bank. Here are a few good tips:

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Sep 182018

3 Ways to Save Money While Going Green

Posted on September 18, 2018 Uncategorized

  More and more often, we discover new ways to “go green” and help preserve the environment and how we treat Planet Earth. In fact, did you know that there are many ways to go green and also save you money in the process? Well, lucky for our members, because there are quite a few easy tricks to do exactly that. In fact, you may not even realize how easy it is to save money while looking out for the environment.   Here are a few easy tips on how to go green while keeping your budget and finances in

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Sep 112018

Debit Card Fraud – How to Protect Yourself

Posted on September 11, 2018 Uncategorized

  When it comes to making purchases with your debit card, it’s a no-brainer – swipe or insert your card, enter your PIN, approve transaction. And making purchases online with your debit card is even easier, as popular e-commerce websites can save your credit/debit card information to make buying online even easier. However, in the last year debit card fraud rose over 10 percent in the United States, and even the most cautious consumers can be at risk if they aren’t careful.   When shopping offline, consumers should be on guard regarding “skimmers,” which are devices used by hackers that

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Sep 042018

Costs of Child Care – Planning Ahead

Posted on September 04, 2018 Uncategorized

  Bringing a child into the world is a blessing. However, children can be an expensive blessing, especially if you have a dual-income household. In our current economic climate, child care is often unaffordable; according to the 2018 Cost of Care Survey, child care is unaffordable for roughly 70 percent of American families. One in three families spends 20 percent or more of their annual household income on child care.   When you decide to start a family, there are a number of financial variables to consider. Planning ahead for child care, especially before your child is born, can make

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Aug 292018

Money Habits to Develop in Your 20s

Posted on August 29, 2018 Uncategorized

  As a young adult, your 20s can be a life-changing decade. Whether you’re entering the workforce straight away or attending college with the intent to find work after graduation, your financial decisions will play a role in determining your future when it comes to your spending, saving, and your investments. Generally speaking, it’s accepted that most adults in their 20s have a lot to learn about money, and this time in your life is the best time to develop a healthy financial foundation that will carry you into your 30s and beyond.   Getting started is easy, and there’s

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Aug 222018

Four Ways to Save Money While Driving

Posted on August 22, 2018 Uncategorized

  When you’re looking to buy a car, there are two big things most people keep in mind: a highly functional automobile, and a great deal on said automobile. Saving money on a big ticket purchase is always ideal, especially if you know you’re getting good quality out of it. However, you may not realize it, but you might have driving habits that contribute to the wear and tear of your car, and you definitely don’t want to waste any of the savings you got in a good deal on excessive services.   To keep your new car in great

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Aug 152018

Easy Ways to Teach Your Child About Money

Posted on August 15, 2018 Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog

  When it comes to your children, you want only the best for their future. While talking about money with your children may seem premature, doing so in an age-appropriate manner can be useful and educational. Money management skills are best learned young so one can make better financial choices as they get older.   Preparing for adulthood is never easy, and it’s even less easy if you go into adulthood not knowing anything about money. Instead of worrying about your child growing up with financial trouble, teaching them young about the basics is a great way to alleviate that

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