7 Tips to Get Smart About Credit
If you are dealing with credit and debt, you aren't alone. You have a great opportunity to assess your financial situation and make a plan to move forward.
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How Do Fed Rates Affect Financial Institutions?
To understand how the federal funds rate or "Fed rate" affects banks and credit unions, we first need to understand what the federal funds rate is and its role in the financial world. The Federal Government requires all depository institutions, like banks and credit unions, to have a minimum reserve level in proportion to their deposits. Those that do not have enough reserves borrow from other financial institutions that do. The Fed rate is the interest rate banks charge when lending money to each other from their reserve balance.
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Pay It Safe with Zelle®
Zelle® is a great way to send money to friends, family and others you trust, right from your phone! With Zelle®, money moves directly from your bank account to another person's bank account, typically arriving in minutes*.
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Make a New Year’s Resolution That Sticks!
Eliminating debt, learning new spending habits, or building savings are choices that can change your life. The new year is a great time to commit to your financial health.
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Saving Money this Holiday Season
Here are some clever ways to join in on all the merry-making festivities, so you can enjoy the season while saving money.
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Six Money Hacks to Keep Your Savings Afloat
Sometimes managing your finances is like trying to keep an oversized beach ball under water because, no matter how hard you try to show it who's boss, it keeps popping back up. Focusing on just one small tactic could make your budgeting struggles drift away so that you can spend valuable time enjoying the waves of life.
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Five Steps to Strengthen Your Financial Muscles
Getting your financial goals in shape requires discipline and determination. Credit card debt, economic challenges, and a competitive labor market are just a few factors that can challenge how you think about your particular financial situation. The question is, how can you improve your financial fitness? You can start your mindful monetary practices with the steps below so you can tone up your financial well-being.
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Is a Traditional or a Secured Credit Card Right for You?
Whether you have a burning desire to multiply your purchasing power or you are simply getting started, consider adding the credit card that is right for you to your financial arsenal. This thin, plastic tool can ignite your credit scores, add sparkle to your lifestyle, and illuminate many cost-saving benefits. But your credit health is key to determining whether a traditional or a savings-secured credit card is the best choice for your situation.
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Celebrating the Long(er) Haul
How long have you been a Logix member? However you go about celebrating your milestones, at Logix our sincerest wish is that you feel invested in and valued beyond measure.
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Celebrating the Long Haul
Different types of people prefer different types of gifts. This is a tried and true fact in my own relationship. I tend to gravitate towards life’s finer things: a new purse, makeup, and being treated to as many of Los Angeles’ burritos as humanly possible. My husband? He’d like to be given something he can put to use, like gift cards or cash. Having been married recently, I found myself googling anniversary gifts. I was surprised to learn that traditional wedding anniversary gifts can not only include the type of flashy presents I prefer, but also many materials that have a history of being used as currency.
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