How To Protect Yourself From Identity Theft

Chances are you or someone you know has had their identity stolen at one point or another.  It can be expensive, stressful and extremely complicated to recover from.  Here are seven ways to help protect yourself and your most important data from identity thieves. Secure Your Hardcopies Most of us think of identity theft as … Continued

Phishing

Long ago, identity thieves had a harder time of it. They had to actually steal something like your wallet to get your information. A sophisticated identity thief in the 21st century will try phishing. That’s phishing, not fishing, but the victims are caught on a hook just as surely as if they were a hapless … Continued

Q&A: What’s The best Way To Finance A home Renovation?

Q: I’m doing some home renovations this summer and I’m not sure how to finance this expense. There are so many loan options, but which one makes the most sense?   A: Whether you’re gutting your entire kitchen or turning your basement into a home theater, we’ve got you covered! As a Horizon CU member, you have several … Continued

Financial Self Defense

Your credit’s trending in the wrong direction, you’re short on cash and you’re desperate for a loan. You need to get your hands on some cash to help pull you out of this tight spot, and you need to do it – fast! Unfortunately, though, it feels like no reputable institution is willing to grant … Continued

Money Savings Ideas for Parents

Think that having kids will put a cramp in your style — not to mention your wallet? Well, that’s not always the case. Follow these simple tips and you’ll discover that you can nourish your wallet while also nurturing your family. 1. Avoid impulse buys. A good way to do this is to put your … Continued

Adjustable Or Fixed-Rate Mortgage – Which Is Right For Me?

If you’re mortgage shopping, you may be overwhelmed by the number of options. Dozens of lenders, each with their own rates, terms, conditions and costs, can make the decision feel that way. But it doesn’t have to be that difficult! The choice of which mortgage to go with starts with a simple question: fixed-rate or … Continued

Holiday Spending is Getting Smarter, But You Can Be Smarter

The average American will spend nearly $900 on holiday presents this year. If you have two adults in your household, that’s almost $1,800.  The odds are good that you’ve already spent a good chunk of that on Black Friday, Small Business Saturday, and Cyber Monday specials.  In looking at the sales numbers from the weekend, … Continued

APR Explained: Why A Lower Rate Is Your Highest Priority

The most annoying part of credit card debt is the monthly statement. It’s a dense plate of word salad served with a heaping dose of guilt dressing. The only part of it that’s easy to understand is the “payment due” – and that’s just the way credit card companies like it! Credit card companies have … Continued

6 Questions Your Auto Dealer Hopes You Can’t Answer

6 Questions Your Auto Dealer Hopes You Can’t Answer Navigating automobile financing can be one of the biggest financial headaches you’ll encounter. But, unless you want to walk everywhere, it’s something you’ll have to deal with. The biggest hurdle is figuring out the angles and understanding the entities that stand to profit from the transaction. … Continued

Understanding Dealer Financing

If you’re a savvy enough consumer to wait until dealers are desperate to sell, you owe it to yourself to wait just a little bit longer to do your research on financing options. Don’t be fooled by dealer promises of zero percent financing. Let’s take a look at four hidden costs that come with these … Continued