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Are you looking to maximize your savings with a secure investment? Certificates of Deposit (CDs) are a reliable way to grow your funds with minimal risk. In this guide, we'll explore certificate of deposit rates in Colorado and how to find the best CD rates today. We'll delve into why choosing a credit union can be beneficial, how to compare CD rates near you, and the steps to get started.

So, you’re gearing up to buy a car and now it’s time to put your hard-earned money toward a beautiful vehicle that will hopefully last you for the foreseeable future. But calculating a car payment isn’t as straightforward as you might think. Getting pre-approved, locking in a low interest rate and shopping around for the best price is key to making sure you can afford your payments going forward. If you’re new to the world of buying a car, use this guide to get your finances in order before you sign on the dotted line.

As we age, ensuring that we have enough resources to sustain our desired lifestyle becomes increasingly critical. Thus, understanding why retirement planning is essential is the first step toward securing your future. Without a solid plan, you might face financial challenges during retirement, such as inadequate savings, high medical expenses, and an inability to cover basic living costs. On the other hand, by planning ahead, you can enjoy your retirement years without worrying about financial uncertainties. With a solid retirement plan, you can achieve your dreams and maintain your desired lifestyle. Start with this retirement planning guide to learn how to navigate the complexities of saving and investing for the future.

Planning for retirement should be something you do consciously, not something you put off until later in life. How well you plan for your future will dictate what your life will be like after you reach retirement age.

Inflation can have a serious effect on your finances. When prices start to rise, consumers lose their purchasing power, which means your money won’t go as far as it used to. You may not be able to control inflation, but you can change the way you manage your finances during these uncertain times. Learn more about the effects of inflation and the impact it can have on your savings and income.

Nowadays, debit and credit cards are used as the primary way to pay for purchases. They are designed to be easy and convenient to use on the go, so you don’t have to carry around large quantities of cash. You can also freeze the card if it is lost or stolen to limit your exposure to fraud. But credit and debit cards work in different ways. A debit card gives you a direct line to the money already in your checking account, while a credit card means buying something on credit. You will then need to pay off the balance on the card plus any interest that has accrued. Credit cards can enhance your credit score, while debit cards do not impact credit history. Additionally, credit cards frequently offer rewards and benefits, such as cash back or points. Learn how to find the right type of card for your situation and ensure you use these two cards responsibly.

Refinancing a mortgage offers a pathway to adjust your financial burdens by changing the terms of your home loan in Colorado. There are several reasons for refinancing (Freddie Mac, 2024), including lowering your interest rate, reducing your monthly payment or changing the mortgage term. Other common reasons include switching from an adjustable rate to a fixed rate or tapping into your home equity. However, the process involves gathering and submitting several refinance documents. Here’s a guide to help you understand what you'll need to provide to refinance your mortgage.

A social engineering attack is a certain type of malicious attack that relies on human error. Hence the word “social.” Human beings are designed to make mistakes, especially when using the internet or corresponding online, and cyber criminals will try and take advantage of the situation. Learn how to protect yourself and others from a social engineering attack.

Impersonal banking services have been a huge pain point for consumers. As a result, individuals are looking for financial institutions that genuinely prioritize their needs. For residents of Colorado, Ent Credit Union emerges as a standout choice, blending personalized service with a strong commitment to community engagement. If you're on the quest for the best credit unions near you, let us explore what credit unions, specifically Ent, have to offer.

In the realm of personal finance, our beliefs about money can significantly influence our financial decisions and behaviors. These beliefs often stem from various sources such as upbringing, culture, and personal experiences. Recognizing and understanding these beliefs is crucial for achieving financial well-being. In this article, we'll explore four common money beliefs - Avoidance, Status, Worship, and Vigilance – and provide insights on how to overcome them for better financial management. It is important to note that these are contextual and its not unusual to be influenced by multiple, seemingly contradictive money beliefs.

Thanksgiving is a time for loved ones, gratitude, and, of course, delicious food. But hosting a lavish feast doesn't mean you have to break the bank. Thanksgiving on a budget is possible and can be just as enjoyable and memorable. With careful planning and some creativity, you can host a fantastic celebration that delights your guests without causing financial stress. Budget-friendly festivities allow you to focus on spending quality time with loved ones. Plus, you'll find that a simpler approach reduces the holiday hustle and bustle. Let's explore five delicious tips to help you celebrate Thanksgiving without overspending.