When you pay with your TwinStar Visa® debit card at a check-out counter, you often have a choice between running your card as “debit” or “credit.” What’s the difference?
Your credit score may seem like a personal judgment on your character, but the factors that go into it are actually determined by research and analysis of data about how people use credit. Here are the major factors that go into your score:
Ah, the holidays in the Pacific Northwest—lights sparkling in the rain and the scent of Douglas fir in the air. And, of course, the shopping! The crowds, bright lights, sales, high energy: to some it’s an adventure, to others a dreaded chore.
The situation is becoming all too common: you receive a call while out shopping or perhaps during dinner. You don’t recognize the number, but the person on the line identifies themselves as an employee of your financial institution. They speak urgently—there’s a problem with your account.
Budgeting may not be your idea of fun. I used to view setting up and following a budget as a necessary evil, like going to the dentist or cleaning the bathroom.
Isn’t summer the best—sun, a gentle breeze, perhaps an icy treat to cool you down? Best of all, it’s vacation time. Whether you trek in Nepal, visit the Statue of Liberty, or sail on lake Coeur d'Alene, have a good time. Just follow these suggestions so that nothing spoils your fun.
Myth 1: FHA, VA and USDA loans are only for first-time homebuyers.
Fact: You do not need to be a first-timer, but the new home must be your primary residence.