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Sandra

5 Ways to Spend Less on Food

a man chopping food on a small cutting board while a woman beats eggs in a bowl.

When it comes to our finances, most people underestimate just how much they spend on food.  And while we can get rid of other expenses, food is the one line item that we cannot eliminate. We can however, spend a lot less with a bit of thought and planning.

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How to Choose the Right Loan – the Ins and Outs

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If you are looking for a mortgage, a home equity loan, an auto loan, or a personal loan, you want to feel like you are getting the best loan available. Keep these items in mind while you are shopping for a loan:

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Social Team

Five Ways to Get Out of Credit Card Debt

woman window shopping with credit cards

Depending upon how much credit card debt you have, being debt-free can seem daunting or even unattainable. Developing a plan is the most important first step to attaining a debt-free life. Without a plan, it can feel like you’re not making any noticeable progress. Here are five important steps to take to get rid of your debt.

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Sandra

5 Tips on Caring for Your Aging Parents Without Going Broke

man at cafe; photo by Jeff Sheldon on Unsplash

"Once a man, twice a child.” People from the Caribbean know exactly what that means. It’s the inevitable circle of life. Humans begin life as helpless children and later, we again become dependent on others for assistance. In our forties and fifties, we will all see our parents aging and becoming more dependent. Then before we know it, the tables become completely turned and we begin to assume the role of caretakers.

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Tips to Keep You Safe During Tax Identity Theft Awareness Week, January 29 - February 2, 2018

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It’s tax time! Have you ever considered that you could be at risk for tax identity theft? Tax identity theft occurs when a thief files a fraudulent tax return using your Social Security number and collects your refund. It also occurs when someone uses your Social Security number to earn wages and sticks you with the tax bill. Often, people do not realize they are the victim of tax identity theft until after the crime, when they try to file their taxes.

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Jennifer

The End of the Home Equity Loan Interest Deduction – What Does It Mean For You?

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As the saying goes, all good things must come to an end. Homeowners have been able to deduct interest paid on home equity loans and lines of credit for decades. Thanks to the new tax law, that deduction is now gone.

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Sandra

10 Ways to Save on Holiday Shopping

happy couple window shopping

‘Tis the season. No matter what we say, most of us will end up spending a significant amount on holiday gifts. After all, no one wants to be a Scrooge. But never fear. There are ways to save hundreds of dollars this year on your holiday shopping, both online and in person. Here are 10 suggestions:

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Sandra

Avoiding Flood Damaged Cars

cars in flood water during Hurricane Harvey

After the recent catastrophic storms in the southern United States, it is estimated that as many as 500,000 cars may have been flooded and seriously damaged.  A large percentage of these vehicles will find their way into the market for re-sale.

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1105 Hits
Sandra

We Florida Financial Celebrates People-First Banking

International Credit Union Day 2018 Dreams Thrive Here logo

On October 19, 2017, We Florida Financial, along with more than 56,000 credit unions around the world, will celebrate International Credit Union Day (ICU Day), and the philosophy and achievements of the credit union movement.

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Determining Wants vs. Needs to Reach Financial Independence

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Here’s something we can all agree on: it would be nice to save more money. But you don’t necessarily have to earn more in order to save more.

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Credit Union Memberships: Debunking Common Misconceptions

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When it comes to credit union memberships, a lot of people are hesitant about joining because of common misconceptions. Despite the high interest rates and fees imposed by banks, people still choose them over credit unions when in fact, there are numerous benefits to becoming a member—benefits you won't receive from traditional financial institutions.

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Home Loans: What are Your Options?

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We Florida Financial provides four types of home loans to cater to the different needs and situations of our members.

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Car Loans Through We Florida Financial

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Do you have your eye on a shiny new vehicle that would fit perfectly in your driveway? Or will you soon need a bigger car, an additional car for a new driver, or a more energy-efficient vehicle? Purchasing a car or truck is a big decision with many variables, and we’d like to alleviate worries about one of those variables: the car loan.

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1703 Hits
Sandra

Retirement Planning 101

happy retired couple holding hands in a marina

Retirement. It’s not exactly like death and taxes but it’s pretty much inevitable. So like everything else in life, it pays to do a little planning. With this wise thought in mind, I headed off on Tuesday, June 13 to the Members Financial seminar on Social Security at the credit union’s Pembroke Pines branch.

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Mortgages in Florida

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Reasons To Be Optimistic About Mortgages in Florida

Home prices in Florida are steadily rising. This means it's a more advantageous period for buyers who want to buy or swap homes, especially compared to market conditions years ago. For mortgages in Florida that suit every type of budget, We Florida Financial is a trusted name among credit unions in the area.

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1369 Hits
Jennifer

Vehicle Refinancing with We Florida Financial

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When Should You Look into Vehicle Refinancing

First-time car owners aren't all the same. Some may spend plenty of time finding the best deal while others let down their guard and trust whatever financing the local dealership offers. If you've realized too late that you signed up for a bad deal, vehicle refinancing can give you some breathing room in your budget and extra savings in your wallet.

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1366 Hits
Social Team

Four Major Myths about Credit Unions

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While credit unions have been around for more than a century, plenty of consumers are often faced with myths about what credit unions are – or aren’t. Credit unions are an excellent alternative to banks, and often have plenty more to offer. Let’s take a closer look as we debunk some misconceptions about credit unions.

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Social Team

Join a credit union: Why it's recommended for new graduates

college graduate on campus; photo by Jonathan Daniels on Unsplash

Why New Graduates Should Join a Credit Union

Being a new graduate, and presumably headed towards joining the workforce, becoming a member of a credit union is a wise move. But why should you join a credit union?

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1140 Hits
Jennifer

Car Loans: What Lenders Look For

pedestrians in city square

Increasing Your Approval Rate for Car Loans

When shopping for car loans, you may be wondering how different lenders come up with a range of rates for you. While they may have their own formulas and calculations, they are generally guided by the three C’s: collateral, capacity to repay, and credit history.

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Home Equity Lines of Credit vs. Home Equity Loans

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Home Financing 101: Home Equity Lines of Credit vs. Home Equity Loans

When it comes to home financing, a home equity loan can be categorized in two ways: a home equity line of credit and a home equity loan. While they may appear similar at first, they have fundamental differences that make one more appropriate than the other, depending on your needs.

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