by Shelly Long | Jun 17, 2021 | Financial Resources
June 17, 2021 How to Increase Your Credit Score There are 5 factors that affect your credit score: Payment history Credit utilization (how much of your revolving debt you are using) Average age of accounts Credit mix Inquiries Pay your monthly bills on time Payment... 
by Shelly Long | Jun 17, 2021 | Financial Resources
Strategies to Save for a Down Payment Figure out how much down payment you will need Don’t forget to consider moving and closing costs Closing costs include lender fees, appraisal fee, home inspection fee, and transfer fees which can total between 3% to 4% The... 
by Shelly Long | Jun 17, 2021 | Financial Resources
Lenders use debt-to-income ratio (DTI) — along with credit history — to evaluate whether a borrower can repay a loan. To calculate your DTI, add up the payments you owe, such as rent or mortgage, student loan, auto loan payments, personal loans, credit card minimums,... 
by CommIntern | Apr 23, 2021 | Financial Resources
How long should my resume be? A resume should preferably be one page. However, two pages is OK so long as the information is relevant to the position that you are applying for such as, education, work experience, etc. Often times, a resume with more than two pages... 
by CommIntern | Apr 6, 2021 | Financial Resources
When are taxes due? The deadline for most individuals and businesses to file was extended to May 17, 2021. Due to the winter storm in Texas the deadline for Texas residents is extended to June 15, 2021. How do I file a tax return? You can file your taxes via... 
by Shelly Long | Sep 10, 2020 | Financial Resources
What is life insurance? Do I really need it? These are common questions our financial coaches get asked. Life Insurance is an insurance policy (contract) with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment,...