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How to Allocate Your Retirement Savings

There are many elements to a successful investment strategy, but they usually boil down to one basic concept—asset allocation. When you spread your retirement savings out among a variety of investment vehicles, you greatly increase your money’s earning power, at a level of risk that sits within your comfort zone.

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Your Complete Guide to Homeowners Insurance

Homeowners insurance is designed to protect you and your family members from liability and cover your home, plus possessions, in the event of disaster or theft.

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Do You Need an Emergency Fund and a Rainy-Day Fund?

Do you need to have a separate rainy-day fund and emergency fund? In an effort to simplify their money, people sometimes consolidate their accounts. This is OK in many instances, but it’s important to remember that rainy day funds and emergency funds serve different purposes. Additionally, it’s important to have not just one, but both funds available to tap into as needed.

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Better Banking Options During COVID-19 [Infographic]

At USALLIANCE, we've been equipped with online banking features to help you bank your way, on your time, since long before social distancing was a concern.

One of the best perks of being a Credit Union member is that you have access to a robust online banking system to meet your specific needs. Check out how USALLIANCE Financial can help you stay on top of your finances no matter where you are:

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5 Signs That It’s Time to Downsize Your Home

Your home will likely mean many things over the course of your time living in it — dinners with friends, milestones with your children and/or partner, and a place of refuge when you need a break from the outside world.

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Mortgage Rates Are Dropping; Should I Refinance?

Q:Should I take advantage of the dropping interest rates by refinancing my mortgage?

A: Refinancing a mortgage is essentially paying off the remaining balance on an existing home loan and then taking out a new mortgage on the same home, often at a lower interest rate. It may sound like a no-brainer, but there are many factors to consider.

Is it a good time to refinance?

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6 Things to Know Before Buying a Home

Buying a home is a major life milestone. It’s a huge financial commitment and a commitment to your future. As such, it can bring up any number of emotions — excitement, hope, fear — all of which can add stress to an already heavy decision.

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Debt Consolidation Checklist

If you struggle with debt, you’re not alone. Between credit cards, student loans, mortgages, and car payments, the vast majority of Americans carry some sort of debt. Whether it’s to afford college, move into your first home, or deal with an unexpected health issue, there are endless reasons why you might need to rely on a financial cushion.

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7 Signs You’re Living Beyond Your Means and How to Fix Them

In the age of credit cards and mobile payments, it’s easier than ever to buy stuff you can’t pay for right away while supporting a lifestyle you can’t really afford.

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How to Start Saving While Paying Off Your Debt

Your career is beginning to take shape, and with any luck, you’ve started to earn a salary that allows you to put a little money aside each month. You know that saving is important, but there’s one nagging problem...Debt.

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