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Published: 195 articles

Understanding Credit Unions for Your Next Loan

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There are many factors that set credit unions apart from other financial institutions. In this article, we will present some of the key advantages to joining a credit union, particularly as they relate to loans. If you’re interested in joining a credit union, but you’re not sure what makes them different, then this is a great starting point for you.

Perhaps the most important distinction of a credit union is that they are owned by their members. That’s right, when you join a credit union, you are actually placing your stake in owning part of the credit union. This cooperative model makes for a more personal, community-centered financial experience. With your participation you are taking an active role in creating a positive local exchange.

Due to their locality, credit unions offer a wide variety of loans, including mortgages and auto loans. Because you are invested in the prosperity of the operation, the credit union wants to see you succeed with all your financial ambitions. This includes offering lines of credit, lower interest rates on certain types of loans, and helping you plan for larger purchases in the future.

A high quality credit union offers a personal touch that is very difficult to find at other financial organizations. If you need to apply for a credit card or a loan, you will never have any trouble meeting with someone who can walk you through the process and answer any questions you might have. You can rest assured that you’re in good hands whether you’re new to loans, or experienced.

At a credit union you’re twice as likely to find free checking than at other financial institutions. Credit unions help you establish a strong financial foundation so that you can develop more funds, make smarter purchasing decisions, and improve your credit score. Most credit unions offer auto loans, checking accounts, mortgage loans, and credit cards. Of course you will need to consult with a local credit union to see what they offer, and what advantages they may be able to provide when compared to national banks. Often times credit unions are the better choice if you’re looking to establish a long lasting relationship with a local entity.

Working on Securing Your First Home Loan

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Credit union bank ashland ky

Are you attempting to get your first home loan but you aren’t quite sure how it works or the many aspects you have to know? Perhaps you’ve been struggling to secure your home loan and aren’t positive how you will do it with the least amount of struggles. Many people you know have gone through the same trials and tribulations with their home loans, as the process is not always as easy as it looks. However, with some help from a credit union, you can secure the loan that works for you and your family.

Getting a Mortgage From a Credit Union

Credit unions are some of the best places to secure your first mortgage on your home. Credit union Read More →

Small Business Sales Are Booming How Can You Find The Right Buyer?

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Selling a company

The winds of change are calling. It’s time to sell your business and move on to greener pastures.

But how much is your business worth? This question can prove a huge barrier for even the most experienced business owner, putting them in the troubling position of putting off their sale or trying to jump into the market while it’s still booming. Instead of thinking you can only get one or two good things out of your proactive attitude, rest easy knowing there are quite a few ways to determine the value of your business. A business broker is a specialist who knows all about the art of putting businesses up to market. They can help you with a business valuation, steer you toward finding the right buyer or just answer any questions you have about the process.

Before you look toward a Read More →

Payroll Providers Helping to Pave the Path to Success for Your Business

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Calculate payroll taxes

Owning a business comes with a whole lot of responsibility, as well as plenty of benefits, if you approach it correctly. But especially when you are just starting out, there is quite a lot to consider. Building a business from the ground up requires a lot of patience, persistence, and resilience. Depending on just how involved you are at every step in the process of building that business you have had such a vision for, you may find that things could get a little complicated and overwhelming. One way that you could help ease some of that pressure of overseeing absolutely everything would be to invest in professional payroll providers.

Finding payroll providers for your staff

Of all of the things that you need to stay on top of as the owner of your business, payroll Read More →

Business Valuation and Why You Might Need to Get One

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Comparables valuation

If you have a small business that you have built from the ground up or have taken from fledgling to profitable, then having a small business valuation done can be something that you might take quite personally. That is understandable. You have put a great deal of your personal energy into making it what it is now.

A problem comes into play when you need to sell your business and you need a small business appraisal. If you are not careful, the entire process of valuation can easily become derailed when it is based on personal emotion, attachment, and subjective ideas rather than quality data that is based on the realities of the market.

In the exact same when residential prope Read More →

Getting New Car Loan Leads Across the Auto Industry

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Auto finance leads

It is nice to be able to get around on your own, without having to rely on a friend or family member, or wait around for public transportation to align with your schedule. But buying a car is a pricey endeavor. Many people end up feeling a bit hopeless when it comes to the need or desire to own their own vehicle, after a quick glance at the price tags. Even used cars can run into some high price ranges. However, where there is a will, there is a way, and putting time into getting new car loan leads could end up with you behind the steering wheel sooner than you might expect.

Getting new car loan leads for future freedom

Like many worthwhile things, sometimes the process of reaching your ultimate goal takes a bit of patience. It could also call for a bit of resourcefulnes Read More →

Is Your Small Business Trying to Market a New Service?

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Glass door signs

When a plane flies a banner over the New Jersey shoreline the message is noticed.
As the Beachgate drama continues to unfold, It would be difficult for Governor Chris Christie not to get the message. He may not like the message or follow the advice of getting off the beach, but that banner had strong marketing power.
Although few marketing techniques will ever have the impact of the Beachgate banner that is now gone viral, there are plenty of ways for your company to reach its customers. From floor standing sign holders to acrylic poster frames, signage is one of the best physical marketing tools that any company can use. Advertising your products on the back side of a small cafe menu sign disp Read More →

Are You Looking for a Cash Management System for a New Business?

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Currency counter machines

Your plans for your new business have been pretty exact. You have worked with local buyers to make sure that you have access to the exact products that you want, you have located the perfect location and have spent a good deal of time and money making sure the build out is the way you want it, and you have invested a lot of time in finding the right employees.
After a meeting with some other new business owners, however, you found out that there is an important step that you have not considered. Because you anticipate that at least 40% of your customers will be paying in cash, the neighboring merchants explained that they think you should purchase a coin and currency counting machine so that you can eliminate both temptation and error. With the right Read More →

Are You Struggling to Teach Your Employees the Best Change Counting Techniques?

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Coin counting machines for sale

When you were a kid money counter machines were rather arcane devices that you found stashed in the closet at your grandparents’ house. Every now and then, in fact, your grandmother would let you dig through drawers, old purses, and half full piggy banks to gather all of the loose coins that you could find, run the stash through the coin sorter and counter machine and take the haul to the local grocery store for some otherwise forbidden treats.
Today, a few things about money counter machines have changed. They still make a loud racket, but these machines have been redesigned and reinstalled as Read More →

Flipping Houses? Check Your Hard Money Loan Options

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Real estate investment lenders

Are you interested in flipping houses, developing commercial real estate or another related investment opportunity? If you’re currently unfamiliar with commercial real estate investing basics, you may still be well aware of the reasons to invest in commercial real estate.

Depending on your personal situation and projected project, such as a major renovation, you may be interested in obtaining information on one or more of the following types of financing:

    Renovation financing
    Hard money rehab loans
    Secured short term loans

Are you aware of the difference between a private hard money loan and a traditional bank loan? If you already own one or more properties with 30%-to-50% equity, you may be interested to know that a hard money loan would be secured as Read More →