Blog

AltaOne's blog is a must-read for anyone interested in learning about financial management, money-saving tips, advances in the credit union/banking world and much more.
 
Our blogs include insightful and compelling articles for all members and prospective members throughout the AltaOne community -- Bakersfield, Ridgecrest, Bishop, California City, Boron, Lake Isabella, Kernville, Lone Pine, Tehachapi and all the stops in between.
 


February 2017 | How to Protect Your Money and Accounts Online


Being able to bank or shop online is a great convenience, but you want to be sure you are protecting yourself before you hit “submit.” Here are six steps you can take to help prevent hackers from accessing your precious data.
 
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September 2016 | How to Manage Your Finances After Graduating College
 
You have graduated college. Congratulations! Now you are ready to be on your own. For newly minted grads who did not major in finance, here is one last assignment: review this blog to glean some money management advice.

That degree you earned might open the door to a higher salary — and carry a student loan burden — so it is important to know how to balance it all as you set the stage for the rest of your life.

 

August 2016 | Is Fall The Best Time to Buy a House?
 
August 2016 BlogSometimes it is smarter to buy certain items according to the season, like sweaters near the end of winter and swimsuits in late summer. What is the best season for buying a house?

The answer: the fall. As temperatures cool and trees shed their leaves, enough factors break in the buyer’s favor to make it the No. 1 season for home buying. Why?

 
July 2016 | Smart Money: Term Share Certificates
 
With so many financial products available, choosing which type of account to open can be just as complicated as deciding on a financial institution (of course, you have made a wise choice in trusting AltaOne for your financial needs). For consumers looking for higher earnings on their savings, one of the options that credit unions offer is a term share certificate.
 


 


June 2016 | The Benefits of Refinancing Your Vehicle


Is refinancing a vehicle — replacing your existing loan with a new, more favorable loan — worth it? If you have a loan, you have probably asked yourself that question. After all, who would not want lower monthly payments?
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April 2016 | Financial Pointers for Young Adults

Once you start receiving your first paychecks, knowing how to spend or save your money wisely can be a challenge. While you may be able to perform financial transactions with just a few taps on your phone, managing money well is much more complicated. Here are a few tips.


 
Ah, spring -- the season of renewal. Spring means longer and brighter days, the return of baseball and the urge to get the house in order. That goes for your financial house, as well. Spring is a good time to comb through your personal finances and thoroughly review your budget, credit cards, investments and insurance. Here is how to get started.
 

February 2016 | When to Refinance a Mortgage
 
Contrary to what some may think, signing your mortgage loan documents does not mean you must stick with that deal forever. If rates change or events arise which prevent you from paying as you had planned, refinancing might be an effective way to adjust your monthly mortgage payment.


 

January 2016 | Blog Article -Car Sharing, Auto Refinancing, and Insurance: Ways to Cut Your Car Costs
 
Americans spend a bundle on their vehicles. To cut costs, some people drive less when gas prices are high and buy used when it is time for a new ride.  There are more ways to save — even when your vehicle is parked.

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December 2015 | Blog Article - Benefits of a Mortgage Preapproval - And How to Get One
 
Benefits-of-Mortgage-preapproval.jpgUnless you were recently selected as the No. 1 pick in the NFL draft or released a hit album, you probably will not pay for your new house in cash. Like millions of Americans, you will take out a mortgage. Before you begin your housing search, try to get a mortgage preapproval, which is usually good for up to 90 days. After reviewing and verifying some of your financial information, lenders will tell you how much money they are willing to let you borrow. 

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November 2015 | Blog Article - Credit Union Membership: What You Need To Know


Credit-Union-Membership.jpgA credit union can be a more rewarding option when looking for a safe place to conduct your finances, or a more frugal choice when planning for major life events and want lower interest rates on loans. If you are an AltaOne member you know credit unions are not-for-profit financial cooperatives that offer banking and related services to their members

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November 2015 | Blog Article - When to Get a Personal Loan 
 

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There are times in life when you want or need to spend more cash than you have on hand. You can borrow the money and pay it back a little at a time if you have reasonably good credit.



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October 2015 | Blog Article - 7 Banking Tips for Young Millennials

7-BANKING-TIPS-FOR-YOUNG-MILLENNIALS.jpgOnce you start receiving your first paychecks after graduation, knowing how to spend or save your money wisely can be tough. While you may be able to do your banking with just a few taps on your phone, managing money well is much more complicated. Here are a few tips to help you get started.
 
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September 2015 | Blog Article - Making the Most of E-Banking

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Whether you're checking your account balance before making a big purchase or transferring emergency funds to your child, online and mobile banking can be a real lifesaver. And it is often as easy to use as it is practical. Here is a closer look at how to maximize your electronic, or e-banking, experience...

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August 2015 | Blog Article - The Evolution of Credit Card Rates

Evolution-of-Credit-Cards-graph1.jpgCompetition is fierce in the credit card world. You have no doubt noticed the mountains of credit card offers in your mailbox, on TV and numerous other advertisements. The credit card institutions market a variety of promotions, most notably the 0% introductory offer, which typically ranges from six months, all the way to 18 months or even longer.

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August 2015 | Blog Article - House Shopping 101

HOuse-Shopping-Image-(1).jpgFor many house hunters the search for their first home is an intimidating process. We have compiled some info and some pointers to help make the process as smooth as possible. AGENT versus REALTOR: You have probably heard various terms to describe real estate sales people: realtor, agent and broker. The term “realtor” is actually a trademarked term...

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July 2015 | Blog Article - Helpful HELOC Facts

Helpful-HELOC-Facts.jpgHelpful HELOC Facts Your home provides solid shelter and comfort. But it can also help pay for life’s expenses. If you are a homeowner and you have paid down a chunk of your mortgage, having a home equity line of credit, or HELOC, could be a good way to tap into extra funds when you need them. Here are some basics on how HELOCs work and how to know if one is right for you...
 
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June 2015 | Blog Article - Should I Get A Credit Card or a Loan for My Business?

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All small-business owners need a little financial help to run and grow their enterprises at some point, whether it is to hire more employees, buy new equipment or market a recently launched product. But how to meet these ongoing capital requirements — with a business credit card, term loan or line of credit — can be confusing. Credit cards: easier approval, perks and flexibility at a cost A business credit card provides a revolving line...

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May 2015 | Blog Article - Plan Now For Your Summer Vacation

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Plan Now for Your Summer Vacation   Waiting until the last minute to plan your vacation often results in higher costs and increased stress. Instead of winging it, use these tips to plan ahead and save on your getaway.   Choose your destination Every travel destination typically has a high season (i.e., the “expensive season”), and a low season, when it is less expensive and not as crowded....

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April 2015 | Blog Article - Storming the Capitol

Storming-the-capitol.jpgApril 7, 2015 Storming the Capitol You can make a difference and help to protect credit union members from unnecessary regulation National credit union organizations are extremely busy these days, waging battle on your behalf. Maybe the biggest fight is the battle against overzealous regulatory burdens that squeeze credit unions' ability to offer the best possible products and services to over 100 million....

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March 2015 | Blog Article - Plan and Finance Your Home Improvement Projects

Home-Improvement.jpgPaying for home improvements, whether major renovations or unexpected repairs, is one of the biggest challenges homeowners face. In some cases you may plan a renovation for years, but it is not always possible to predict when you will need a new furnace or roof. That is why it is important to have a flexible plan for any eventuality when you take on the responsibility of owning a home. Here are some strategies that have helped many...

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February 2015 | Blog Article - Hidden Tax Breaks

Hidden-Tax-Breaks.jpgIn recent years, the average tax refund has been about $3,000. If you effectively determine and utilize the available tax credits, you may land a sizeable check this spring. Here are several commonly overlooked deductions worth a look. Home office deduction  Home offices have many perks: no commutes, casual dress code, etc. Add a tax break to the list of benefits. If you spend the majority of your time...

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January 2015 | Blog Article - Credit Unions: Membership Has Its Privileges

Membership-Privileges.jpgCredit Unions are no longer the best kept secret of the financial world. According to the Credit Union National Association (CUNA), as of mid-2014: Credit union memberships total 100.1 million and assets exceed $1,125 billion. Credit union savings stand at $961 billion, while loans total $689 billion. There are 6,671 credit unions. Some 4,027 are federally chartered, and 2,644 are chartered under laws of various states and Puerto...

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January 2015 | Blog Article - Smart Savings for All Life Stages

Smart-Savings.jpgThere is no doubt that in today’s low interest environment it is challenging to put your money to work for you. In addition to finding the right financial institution that is going to offer the best possible return on your deposits, it is also important to determine the best savings vehicle for your current life stage. Your savings needs typically vary a great deal as your life and circumstances change. No matter where you are in life --...

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Click here to read our previous posts in the blog archive.