USALLIANCE Blog

Cut your energy costs this summer by making your home smarter!

Before you make that large purchase, ask yourself these 7 questions!

Summer is almost here! Time to start planning trips, camps, and summer jobs. If you’re in the market for a new job this summer, we’ve got a few tips to help jumpstart your job search.

Research shows that 95 passwords are stolen every second, and roughly eight million passwords are pilfered each day.* Having strong passwords can decrease your chances of becoming a victim. So, to commemorate World Password Day, here are some password-related tips for better online security:

You’re ready to purchase a home of your very own, but it seems like you’re being asked to provide an awful lot of personal information to your lender. Is this really necessary? Short answer? Yes. Even if you’re already an established member of USALLIANCE and we have your information, there are still some documents you’ll need to provide and questions you’ll need to answer in order to be approved for your loan. And, it’s not just USALLIANCE that will ask so many questions; every home lender will request similar information to process a home loan.

Building your dream home – one that’s designed with your personal vision and needs in mind –can be an exciting, rewarding experience. Maybe even a life-changing one. But there can be a learning curve involved – especially when it comes to financing your venture. In most cases, a traditional mortgage just won’t work. Instead, you’ll likely need some type of construction loan. A construction-to-permanent (CTP) loan can be a smart option.

When the weather starts to warm and the spring flowers bloom, it’s time to crack open the windows, let the fresh air in, and give your home a good spring cleaning. But there’s more than just a neat house awaiting you after you banish those dust bunnies. Think about decluttering while you're at it, and you could even earn a few extra bucks. Here’s how you can spring clean your way to riches – well, sort of.

“Saving for retirement? No thanks. I’ve got too many bills to pay, money is tight, and besides, retirement is so far away – I have more important things to put my money towards.” Sound familiar?

Worried you’re behind on saving for retirement? You’re not alone. Roughly 80% of Americans feel stressed about not having enough money to retire comfortably. For those aged 50 and older, their biggest stressor is the fear of outliving their savings. If your stress about retirement savings is rising as the days tick by, take a breath. There’s still hope.

Like many, you’re probably expecting a refund when you file your taxes this year. But did you know that you might not have to wait as long as usual to receive that refund? You can get your refund up to three weeks early! Seriously. According to the IRS, the best and fastest way to get your tax refund is to have it electronically deposited into your account through direct deposit.