Tackle life’s challenges with an emergency cash fund

Build cash reserves that help you cover your bases while you build for the future An emergency fund is the cornerstone of a strong financial foundation. When you have some cash stashed away, you can be ready for those unexpected expenses life throws your way, like a surprise car or home repair. Even something as […]

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Calculate Your Debt-to-Income Ratio

In addition to your credit score, your debt-to-income (DTI) ratio is an important part of your overall financial health. Calculating your DTI1 may help you determine how comfortable you are with your current debt, and also decide whether applying for credit is the right choice for you. When you apply for credit, lenders evaluate your DTI to […]

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3 Big Housing Decisions You May Face

Housing decisions are never small. Where you choose to live impacts your budget, your job prospects and your social life. For the future, your home plays a major role in what your retirement might look like (financially and logistically). For these reasons, housing decisions require plenty of careful consideration. Want to be prepared to make the right […]

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The Compound Effect: Building Your Household’s Wealth

Wealth is within reach for many people; however, according to a recent study, 63 percent of Americans said it’s not likely they’ll become rich.1 While younger people are more likely to say they’ll achieve wealth one day, only 34 percent of people aged 30 to 49 and 21 percent of people aged 50 or older […]

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CAN YOU BENEFIT FROM PROP 19?

Proposition 19 fully goes into effect on April 1, 2021, protecting millions of older homeowners, homeowners with severe disabilities, and victims of wildfire or natural disaster. As older homeowners move to senior housing, retirement communities, or condos, or downsize to smaller homes, more homeownership opportunities will open up in communities throughout the state each year […]

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