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Why Women are More Savvy Investors than Men
Learn a few of the reasons women are considered more savvy investors.
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Moving to a New City? 6 Financial Readiness Steps
Moving can be exciting, but it can also be stressful when it comes to your finances. Use this checklist to get your money in shape, so you can focus on your new home and new life!
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Glossary of Terms
To understand investment matters, start with the lingo.
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10 Easy Financial Planning Steps for Beginners
goals and creating a strategy to pursue them Calculating current net worth and cash flow Analyzing personal ... and pay living expenses. Step 4: Calculate your net worth. To calculate your net worth, add up your assets
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Purchase a Home
The experts at CAP COM’s mortgage subsidiary, Homeowners Advantage, live and work in the Capital Region and will be with you every step of the way. Keep your mortgage close to home with local appraisal, underwriting and servicing. To get started, we’ll help you get pre-qualified, in person or over the phone, and find the best mortgage solution for you.
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Take Charge of Your Credit Score
Your FICO credit score is an objective measurement of your credit risk. Your score can impact the credit offers and interest rates you are eligible for. Learn how the scoring works and how to help yourself.
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Vehicle Solutions
CAP COM auto loans offer great rates, fast approval, and our own online car buying service. We can help you find and fund your next vehicle, so you drive away a winner!
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Personal and Student Loans
Whether you need cash for home improvements, to consolidate debt or to cover an unexpected expense, a CAP COM Personal Loan may be the right option for you. This loan has flexible terms, no application fee and fixed monthly payments! If you are at least a half-time student, you may qualify for our Academic Advantage Loan (apply online under "personal loans"). You can borrow up to $50,000 with a 54-month draw period which can help cover expenses such as tuition, room and board, and even books and computers.
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How High Earners Can Build a Strong Retirement with Their 401(k)
Approximately 60 million workers contribute to a 401(k)-retirement plan.
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Countdown to Retirement
Get and stay on track toward Financial Independence as you close in on retirement.
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As Volatility Increases, So Does Retirement Worry
Getting ready for retirement involves more than just calculating how much you will need and the rate you can draw down your savings. The years before you retire is a crucial time to prepare both financially and psychologically.
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How to Afford Student Loan Payments
From 2020 until the fall of 2023, most borrowers of federal student loans were not required to make payments. COVID-19 emergency relief measures paused the payments and set interest rates to 0%. This step was welcomed by borrowers who faced financial strain during the pandemic. With the pause officially ending in October 2023, these changes affect the finances of many student loan borrowers – and it can feel overwhelming. Yes, we can hear the groans and are here to help.
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Guaranteed Asset Protection
Guaranteed Asset Protection, or GAP, is an optional coverage that can be added to your Auto, Truck, Sportscraft, Boat or Recreational Vehicle loan to complement the physical damage coverage in your primary insurance policy.
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Refinance and Save
Refinancing can save money on your monthly mortgage payment by lowering your interest rate and/or shortening your term to pay off your mortgage faster by refinancing your existing loan. Learn more about the benefits of a cash-out refinance or home-equity
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Auto Advantage
Auto Advantage offers payments up to 40% lower than conventional financing. Lease-like benefits without the restrictions for vehicles model years 2019 and Newer.
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Tax Prep Checklist: Everything You Need to Be Ready for Tax Season
Regardless of whether you prepare your taxes yourself or use a professional's services, it's a good idea to gather the information and documentation you need well in advance of your actual tax filing date. Below, we've listed some key information you need when preparing this year's taxes.
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Know What You Are Worth Today to Map Out Your Financial Future
It does not matter how much money you have today; you still must know the details of what you are worth. Understanding your financial situation can help you develop a retirement plan, pay down debt, draft a comprehensive estate plan and live with financial independence.
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3 Questions to Ask Yourself Before You Claim Social Security
If you are unsure when to start your claim, here are a few questions that may help you determine if it is time to make a claim or if you should delay a little longer.
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8 Tips for Homebuyers
When it comes to buying a home, a lack of knowledge and experience can lead to costly mistakes. Even if you are not a first-time homebuyer, these tips will help you prepare for one of the largest purchases you’ll make in your life.
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Home Equity Line of Credit
Looking for cash to remodel, pay off high-interest debt, college tuition or other large expenses? CAP COM offers Open End Home Equity Loans (often referred to as Home Equity Lines of Credit, or HELOCs) with up to 20-year terms at both fixed and variable interest rates.