woman reviewing high-rate debt

Understanding Personal Lines of Credit

What if you could get a loan that lets you access money only as you need it, instead of receiving (and paying for) a lump sum? That is exactly what a Personal Line of Credit offers you.

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Family putting money in piggy bank

Do I Need to Start Saving for Retirement?

How soon should you start saving for retirement, and how much are you going to need? Find out why you need to start planning for retirement now, no matter how far away it may seem.

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Woman managing checking account

How to Manage Your Checking Account and Why it’s Important

A Checking Account is a responsibility, and effectively managing your Checking Account is part of the deal. It sounds tedious, but you can easily start building habits to make account management part of your daily routine.

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Test Drive a Car

Tips for Test Driving a Car in the Hudson Valley

A lot of car shoppers worry about negotiating with the dealerships. But before you can even think about that, you have to master your test drive.

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Couple asking questions

Top Questions to Ask Before Buying a House

Before you even start hunting for your dream house, there are important questions you need to get the answers to. What are the tax implications of buying a home? What if I don’t have a down payment? Can I actually afford to own a home?

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Man on phone

What do Deferments and Forbearances Mean?

Navigating financial hardships is intimidating enough, and trying to understand the various options and terminology only makes asking for help feel scarier. But help for both consumer loans – things like car loans, personal loans, and credit cards...

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Couple reviewing credit

What is a Debt-to-Income Ratio (DTI)?

Chances are, you know that your credit score is going to be a critical factor in how lenders will decide whether or not to give you a loan. But, your debt-to-income ratio (DTI) is a number you need to be familiar with, too, especially if you plan on...

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Couple refinancing their home for projects

Are Mortgage Refinances or Home Equity Loans Better?

One of the biggest advantages to owning your home is the ability to tap into the equity you build, or the amount of your house that you’ve paid off. When you need to access that equity as cash, though, you’re faced with a couple of...

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Car Refinancing

Top 4 Things to Consider Before Refinancing Your Car

Refinancing an existing car loan is one way to save some money and lower your debt. We’ve rounded up the top four things to consider before talking to your bank or credit union about a refi.

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