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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Couple after loosing job from COVID

8 Things to Do if You’re Laid Off Due to COVID-19

If you lose your job, it’s hard to avoid the feeling of panic and hopelessness. It’s important to remember, though, that there are some actions you can take to help mitigate financial hardships and worry.

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Review investment and retirement accounts

401(k) In-service Withdrawals

Can you withdraw money from your 401(k) while you are still employed? Not everyone should; not everyone can. If you are able to, though, it may mean that you can effectively implement part of your retirement income plan before you...

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Couple discussing getting a joint account

Should we have a joint checking account?

Ah, the intertwining of finances! Of all the complexities of a relationship, this is perhaps the most delicate. Should you and your spouse or partner combine accounts into a joint checking account? Or should you keep them separate? To answer that,...

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