What to Look for in Your First Credit Card

You've landed your first real job. 

Now, with a steady source of income, you’re ready to take the next step in the process of adulting – getting your very first credit card. This may seem like a no-brainer – just fill out an application – because aren’t all credit cards the same?

The answer is no, absolutely not. In all likelihood, you are going to have a long-term relationship with this card and the financial institution issuing it. Shouldn’t you make sure that this card is “the one?” And, if you don’t take the time to do some comparison shopping, you may pay out more of your hard earned money than necessary.

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Ways (in Every Price Range) to Raise Your Property Value

You don't necessarily need to break the bank to raise your property value.

There are a lot of things you can do to upgrade the value of your home before you make a move, and it's true that even a small investment can make a major difference.

Whether your home could use some minor changes or you’re considering a HELOC to make a big upgrade, there are a lot of different things you can do to make the space more appealing to potential homebuyers. So, if you’re thinking about selling or renting your home, read this list before you start packing up and moving out.

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Who Are Fannie and Freddie and Why Are They in My Mortgage?


Fannie and Freddie sounds like a brand of chocolates from the 1920s, or perhaps the names of your elderly grandparents you visit twice a year in upstate New York. Alas, neither is the case. So I bet you're wondering- "Who are Fannie and Freddie and why are they in my mortgage?"

Fannie Mae and Freddie Mac were actually created by Congress with the goal in mind of becoming an affordable and reliable source of mortgage funding for all Americans. The organizations provide funds to the financial institutions that shell out the cash you need to buy the home you want to buy- when you want to buy it. 

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What Should You Do With Your Tax Refund?


Ah, that April 15 deadline is approaching and you're going to have to go through with the dreaded and dreary task of doing your taxes.

You've gathered your W2's and your 1099's and posted up on your laptop, or perhaps you handed your documents over to an expert. Either way, some of us are in a better mood than others during tax season, hopeful that we’ll be getting some extra cash lining our pockets rather than owing more money.

But what are you going to do with that extra cash? 

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The Good and The Bad of PMI


You’re ready for home ownership. You’ve cut corners (and coupons) everywhere to save for the down payment. Unfortunately, you’re still not quite at that sweet spot of 20 percent of your dream home’s price.

Don’t worry. You won’t have to live on ramen noodles for another year or two. Most lenders will still give you a mortgage (if you qualify) with one little addition – Private Mortgage Insurance or PMI.

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Life in 1966 - 50 Years of USALLIANCE

USALLIANCE Financial is celebrating their 50th anniversary in 2016.

The world was a different place in 1966- back when you could buy a new car for $2,000 and The Beatles were all the rage.

What was life like in 1966?

  1. Star Trek, the iconic sci-fi TV series premiered on NBC on September 8, 1966. Also premiering in 1966 was Batman, Mission Impossible, That Girl, and The Monkees.

  2. Can you believe the Super Bowl is 50? The Green Bay Packers and the Kansas City Chiefs played in Super Bowl I- then known as the AFL-NFL Championship Game. The Packers won by a score of 35 to 10.

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