Healthy credit is a key component of qualifying for mortgages, auto loans, and even new jobs. A FICO score is the three-digit number that summarizes your credit report. It’s only a small slice of the credit pie, but it’s an important one. Understanding what it all means will greatly improve your chances for obtaining the highest credit score possible.
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Christmas might feel like a long way off, but it will be here before you know it. Help ease the stress the holiday season brings by thinking about your holiday spending goals now. Without a plan you may be more tempted to use your credit card which means you could be paying for the holiday festivities well into the spring. Starting to save now will help alleviate the stress of overspending and accruing more debt.
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Identity theft is on the rise and wreaking havoc on the lives of many Americans. While everyone is at risk and there’s no foolproof way to safeguard against it, learning how to protect yourself from this type of fraud can go a long way in lowering your risk of identity theft.
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It’s back-to-school time! Things may look different this year, but one thing is for certain, kids will need school supplies. Each year, various states hold a tax-free weekend to make back-to-school shopping more affordable for parents. Ohio’s is this weekend and starts Friday. Between Friday at 12:00 AM to Sunday at 11:59 PM clothing, school supplies and instructional materials (up to a certain value) will be exempt from sales and use tax. The stores are usually more crowded during tax-free weekend, so you may be asking is it worth it? We think it is.
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In partnership with the Ohio Credit Union Foundation, River Valley Credit Union has provided $12,500 to members of the Dayton area who were financially impacted by the COVID-19 pandemic. Twenty-five individuals were each awarded a $500 grant to help cover some of their financial needs.
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Be a Grocery Guru and Supermarket Saver with these quick and easy budgeting tips.
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June is PTSD Awareness Month. Post-traumatic stress disorder (PTSD) is associated most with veterans, but anyone who has been through a traumatic event can experience it. Many people who go through a traumatic event may have difficulty adjusting and coping with things, but with time they can get better. Sometimes though, symptoms get worse and begin to interfere with day-to-day functions
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June is Elder Abuse Awareness Month – specifically June 15 is the day! There are so many areas where our elderly family and friends can be abused or mistreated. In the state of Ohio, your financial institution is one of many mandatory reporters. What that means is, we are to be looking out for your best interests. If we suspect someone may be mistreating you or taking advantage of you, we are obligated to report that.
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We all know how important it is to protect our identities, but have you ever thought to protect your child’s? Fraudsters can easily steal your child’s identity without you realizing it for years. Thieves use the information they same way they would yours, to open fake accounts, credit cards and loans. Children are an easy target for thieves, they have a clean slate so creating a fake identity is easy.
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A Special Wish Foundation – Dayton Chapter is a wish granting organization whose mission is to grant the wish of a child or adolescent (birth through age 20) who has been diagnosed by a physician with a life-threatening disorder. We strive to provide children and their families with special time together and a sense of normalcy despite the challenges they are experiencing. Since 1983, our chapter has granted over 1,700 wishes to children living in the Dayton area.
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