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3 Differences Between Credit Unions and Banks that Matter

3 Differences Between Banks and Credit Unions

It's obvious that big banks spend heavily on marketing and advertising to attract new customers. But many of us remember the financial crisis and how massive corporate institutions mishandled hard-working Americans' money. That's why everyday people often consider an alternative to these corporate giants.

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Social Team

Think About a Higher Paying Job

Think about a higher paying job.

Virtually no one would frown upon the idea of making more money doing what they love. There's nothing wrong with striving to increase the size of your paycheck. In fact, the Society for Human Resource Management conducted a survey and found that 63 percent of respondents said that compensation was a major contributing factor to job satisfaction. Here are a few tips that will help you score the higher paying job of your dreams.

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81 Hits
Social Team

Benefits of Using E-statements

Benefits of Using E-statements

In this day and age, doing good for the environment should be a priority on everyone's mind. From cleaning up trash to reducing waste, people from all over the world are doing what they can to improve this planet. One way that’s done involves using e-statements over traditional paper statements. Although it seems like a minimal change, using e-statements can lead to some amazing benefits. While environmental change is a leading benefit, using e-statements poses some other incredible advantages. See below for a list of the benefits.

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NXG Strategies

It’s Open Season on Tax Fraud. Stay Safe!

Protect yourself from Tax Fraud.

Tax time is here! As you prepare your returns this year it is important to remember that it’s peak season for tax fraud schemes. Tax fraud happens when someone uses your Social Security Number (SSN) to apply for your refund or to intimidate you into paying money that you do not owe. Criminals can also use your SSN to get around employment verification requirements or avoid being found out if they are on a list such as a sex offender registry.

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Social Team

How Regular Car Maintenance Can Prevent the Need for Expensive Repairs

How Completing Regular Car Maintenance Can Protect Your Finances

If your car seems to be chugging along perfectly fine, why should you fork out the dough for service work? When this thought flows through your mind unabated, you could be setting yourself up for trouble in the future. Whether they are driven often or not, modern vehicles require regular maintenance to remain in optimal condition. If you neglect to complete timely maintenance, you could end up paying far more than you would have otherwise to fix whatever broke. To ensure you do not make this costly mistake, utilize this guide to better understand how regular car maintenance can prevent the need for extensive repairs.

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Social Team

Millennials and Retirement: How To Avoid Falling Short Of Your Goals

We Florida Financial helping Millennials reach their retirement goals.

When millennials entered the workforce at the turn of the present century, they faced an economy impacted by the Dot.com and mortgage industry bubble collapse, and both the automotive and mortgage industries were in crisis. For this highly educated workforce, the uncontrollable economic impact would threaten to leave Millennials employed at lower wage levels - and many without the corporate benefit of a retirement plan.

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Social Team

We Boost Financial Fitness for Millennials

We Boost Financial Fitness for Millennials

As a massive group of individuals that recently transferred into adulthood and the largest generation currently in the labor force, millennials have a big impact on the financial landscape in many ways. As a generation, they stress a number of ideals that impact their relationship to finance, as well as their spending, saving, and investing habits.

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Social Team

4 Tips for First Time Homebuyers

first time home buyer

Buying your first home can be an exciting experience. Yet, with that excitement can come a laundry list of items to address to ensure your purchase goes off without a hitch. Give yourself the best chance for success by following the tips for first-time homebuyers listed below.

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107 Hits
Social Team

How Millennials Can Improve Their Credit Scores

How Millennials Can Improve Their Credit Scores

Last summer, credit reporting agency Experian released some sobering data on Millennial credit scores. Older Millennials, or those between 29 and 35, have an average credit score of only 665, while younger Millennials aged 22 to 28 are an average of 13 points lower, at 652.

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141 Hits
Social Team

The Real Cost of Owning a Car

The real costs of owning a car

When people are considering purchasing a motor vehicle, they often focus on the sticker price. Even though nobody likes to go over budget and pay more than they have to for a vehicle, it is important to consider the actual cost of owning a car. In some cases, people might be able to afford the car’s sticker price but not be able to afford the additional costs that come with it. With this in mind, how can people figure out the actual cost of owning a car? What are some of the factors to consider? We Florida Financial has done some of the research for you.

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125 Hits
Social Team

How to Temper FOMO and Stay on Budget Year-Round

How to temper FOMO

As evidenced by warnings to avoid keeping up with the Joneses, the fear of missing out, or FOMO as it is known today, has long posed a threat to finances. With the advent of social media, however, FOMO has become more prevalent – and people are financially overextending themselves more than ever before as a result. You can protect yourself and your finances from this phenomenon by becoming aware of the problem and taking smart steps to halt the urge to indulge in this fear.

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238 Hits
Lori

Can you really afford a pet?

Woman with a cat and a dog.

About 5 years ago, my husband and I decided to adopt a tiny, 3-pound puppy we called, Sofia. We rescued her from a dirty, dingy puppy mill. She was actually covered in newspaper ink when we found her.

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240 Hits
Sandra

5 Easy Ways to Save in the New Year Without Breaking a Sweat

5 ways to save money in the new year

A Chinese philosopher once said that “the journey of a thousand miles begins with a single step.” Try these tips. You will soon be on the road to financial fulfilment.

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227 Hits
Lori

What is life insurance and is it right for you?

What is life insurance and is it right for you?

No one is ever certain about how life will turn out. This is why we often secure our assets and protect our family with insurance: car insurance in case we get into an accident and total the vehicles, home insurance for an unexpected natural disaster, and even pet insurance to secure our beloved furry members of our family.

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183 Hits
Lori

Debit Cards vs. Credit Cards: Which is better?

Debit Cards vs. Credit Cards: Which is better?

They are both small plastic cards that you can use to buy stuff and you probably have one of each in your wallet or purse. But did you know they each have distinct differences? Debit cards and credit cards can both be great tools to use when purchasing goods and services. Is one better to use than the other? First, let’s find out how each works.

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251 Hits
NXG Strategies

Two Minutes and a Phone Call Can Turn Into Identity Theft

Don't fall for a vishing scam.

There are so many things you can do in under two minutes - brush and floss your teeth, make a delicious cheese quesadilla, walk 200 steps, or become a victim of identity theft! These days, identity theft doesn't just come from cyber criminals hacking multimillion-dollar organizations to steal data, it's also criminals gathering data from a simple two-minute phone conversation that could put you at risk for identity theft.

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Social Team

3 Reasons Why Credit Unions Offer Better Interest Rates on RV Loans in Florida

Family planning trip on RV.

If you've been dreaming about owning a recreational vehicle (RV) but you've been having difficulty finding a lender that offers reasonable interest rates, have you considered signing up for membership with a credit union? In Florida, one of the most trusted credit unions is We Florida Financial; so if you want better interest rates on RV loans in Florida, you shouldn't pass up the chance of becoming a member of this premier credit union.

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307 Hits
Consolidated Credit

Understanding the Effects of Missed Payments

A young couple going through their financial records in the comfort of their home.

Two surveys came out recently that investigate how likely credit card users are to miss a payment. The first survey from Nerd Wallet polled 2,000 people to find out how many had made a delinquent payment. The second survey from CreditCards.com polled 1,000 adults to ask the same type of question.

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261 Hits
Tom

Getting Serious About Retiring

A senior African American couple enjoy an evening on the town with ice cream

As I approach retirement I am looking at my finances and wondering when I should actually retire and will I have enough money to live on. Will I be financially comfortable in retirement? I believe when planning for retirement you should have two goals in mind.

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245 Hits
Social Team

Top Reasons To Refinance Your Recreational Vehicle Loan

Camper Van Summer Trip. Scenic Landscape and the Recreational Vehicle.

If someone gave you $100 with no strings attached, you would it take it, wouldn’t you? Yet every year, thousands of boat and RV owners miss the chance to take home hundreds of dollars by choosing to refinance their loans at lower rates. There are plenty of reasons to refinance your recreational vehicle loan, but here are some of the best:

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194 Hits