Aug 082019

Money Tips for College Students and Young Adults

Posted on August 08, 2019 Uncategorized

  As a young adult in the working world for the first time, your first paycheck from your first job is the start of something new. Many young people learn the basics about money as they grow up, whether it’s through earning money through a lemonade stand or in the form of an allowance for doing chores. As you get older and tackle more adult financial tasks, such as paying bills and creating a basic budget, it’s important to continue to learn and hone your financial skills and literacy.   In 2019, we live in a more digitalized world, and

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Jul 222019

Building a Business With a Credit Union

Posted on July 22, 2019 Uncategorized

    The United States is known around the world as the land of opportunity, and in turn, many people use that opportunity to start a small business, and many move to this country with a business in mind as well. About 27 million Americans run or own their own small business, and because of this, loans and financing are in strong demand. Starting out with a loan is the best way to get your business off the ground, and there’s no better financial institution than a credit union like Polam FCU to get approved.   If you already belong

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Jul 192019

How to Create a Healthy Emergency Savings Fund

Posted on July 19, 2019 Uncategorized

  When it comes to one of those last-minute emergencies, regardless of the extent of the emergency, one may find themselves at odds when it comes to having healthy savings. While most people who are financially comfortable have a savings account, an emergency savings fund can help alleviate any concerns one might have regarding medical bills, automotive issues, unexpected home renovations, and even unemployment. Studies have shown that many Americans are one major emergency away from either bankruptcy or homelessness, depending on their annual income and current bills. Having an emergency savings fund is essential to your financial health, as

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Jul 102019

Getting Rid of Bad Spending Habits

Posted on July 10, 2019 Uncategorized

  Everyone, regardless of their economic status, has spent money without thinking twice at least once in their life. In fact, it’s not terribly uncommon; most working Americans can attest that a lack of mindful spending has caught up to them more than once. Unless you’re a multi-millionaire, bad spending habits can severely hinder your financial goals and can saddle you with unneeded debt. Careless spending can come in the form of having a daily coffee habit, or maxing out your credit card on frivolous expenditures. Regardless of your income and finances, these kinds of bad habits can add up

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Jul 032019

Money Tips For Traveling Abroad

Posted on July 03, 2019 Uncategorized

  Everyone has a checklist they follow when planning an overseas vacation: buy plane tickets, set up itineraries, packing your bags with everything you’ll need. For most travelers, setting up a budget before taking off is also a priority on their checklist. Along with being in a country with a different native language with a different cuisine and different customs, you’re going to experience financial changes as well.   Before you leave, make sure you go through this list of smart money tips that will make your overseas vacation less financially stressful, so you can have a great time and

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Jun 272019

Money Saving Ideas for Home Renovations

Posted on June 27, 2019 Uncategorized

  Ask any homeowner: taking on new renovations and remodels for your home can be time-consuming, detail-oriented, and most importantly, expensive. Whether you’re fixing one of your home’s appliances, making changes to just one room in your home, or tackling a full-blown home remodel, you might find yourself experiencing sticker shock. Regardless of the scope of your remodel, any homeowner will tell you that shopping around and making careful decisions is all part of the renovation process.   Are you looking to make changes in your home while saving money without having to cut important corners? Here are a few

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Jun 232019

Protecting Your Data and Identity While on Vacation

Posted on June 23, 2019 Uncategorized

  For many Americans, taking a summer vacation is one of the highlights of their year. Whether they’re traveling domestically or internationally, many families and individuals spend their year saving money for their dream vacation destination. And when you factor in having kids who are on summer vacation, it’s often the most ideal time of the year to travel. However, thanks to modern technology that seems to improve and expand every day, there’s a far bigger risk of having your data breached while on vacation than when you’re in your home region.   According to the Harris Poll, more than

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Jun 182019

Apartment Hunting – What You Should Know Before Signing A Lease

Posted on June 18, 2019 Uncategorized

    For the many people who aren’t homeowners, renting an apartment or condominium can start out as a challenging task. There are a vast array of things you must consider before signing a lease, so you can ensure you’re moving into the dwelling that’s best for your budget and your lifestyle. There are always questions you must ask yourself before you get started – what’s your monthly rent budget? What kind of neighborhood are you looking to move to? How much space do you need? What resources are there that can help you find a rental?   To get

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Jun 052019

Saving Money in College – 4 Tips

Posted on June 05, 2019 Uncategorized

    If there’s one thing most people in this country understand, it’s that higher education in the United States is far from inexpensive. When you calculate the cost of tuition, boarding, books, and everyday amenities, it can all add up. While taking out student loans and applying for Polam’s personal loans can help cover the big stuff, there are still a lot of factors to consider when you’re a college student.   Also, one of the best ways to cut down on college costs is to plan ahead – starting in high school. If your children are interested in

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May 252019

Car Care Tips to Help You Save Money

Posted on May 25, 2019 Uncategorized

  Owning a car is a necessity in most of the country, because mass transit is either unavailable or unreliable in most cities. However, despite it being a necessity for most, it’s a privilege for many as well, because cars aren’t exactly cheap. Whether your car is older with 50,000 miles on it, or new and in tip-top shape, you’re still going to have to spend money taking care of your car to ensure it lives a long life, and also to ensure that you’re not going to have to pay big bucks to get something on it repaired.  

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