Education

4 Tips for a More Merry, Stress-Free Holiday Shopping Season

The holiday season is right around the corner, a time for festivities, cheer, and reunions with family and friends. But as we deck the halls or spin the dreidel, many of us will have something else on our mind: money. In fact, more than three in four Americans overspend during the holiday season, with the average household adding nearly $1,000 in debt.

10 Steps To Start Your Business

Starting a business involves planning, making key financial decisions and completing a series of legal activities. Read on to learn about each step.

Conduct Market Research

Market research will tell you if there’s an opportunity to turn your idea into a successful business. It’s a way to gather information about potential customers and businesses already operating in your area. Use that information to find a competitive advantage for your business.

Write Your Business Plan

A Crash Course in Cash Management

Cash Management, also called Treasury Management, may sound formal, but it’s really not. Cash Management is all about helping business clients manage cash flow through a series of products and services. It could be as simple as accessing accounts online, or more complex like payroll and HR needs. Whatever the need, Cash Management provides time-saving tools to manage the day-to-day financial activity of a business, allowing the business owner to do what they do best…run their business!

What You Should Know About Credit

What is credit? Why does it matter? And how do you find out if yours is good or needs improvement? These are all really good questions to ask as your credit helps different companies determine whether or not they will lend to you. Poor credit may affect everything from credit cards, car loans and apartment rentals, to school loans, and buying your own home.

Your credit-worthiness is determined by your credit score; a 3 digit number calculated by five different categories of information in your credit report, including:

Pre-closing and Closing Checklist for Buyers

Finalizing your mortgage is perhaps the most crucial step in the home-buying process. It’s important to be prepared for pre-closing and closing, so you know what to expect. The lenders here at First Bank Financial Centre have decades of experience and serve as your trusted advisor throughout the entire process. Our goal is to ensure that you feel completely comfortable with each step. Here is what to expect:

Immediately Upon Acceptance of the Final Contract:

Mortgage Pre-Qualifications & Pre-Approvals

As we’ve all been told over and over again, buying a home is one of the biggest purchases you’ll probably ever make. And if the housing market is a seller’s market, there’s a lot of additional things to consider including are you willing to get into a bidding war, are you okay with compromising some items on your wish list, and at the end of the day, can you afford to live the life you’re accustomed to AND purchase this home.

What Is This Money Market Thing People Talk About?

With so many different bank accounts available, it’s hard to know which one is best for your particular needs. Here, we’re going to discuss money market accounts and whether they might be a good fit for you.

7 Tips on Building and Maintaining Good Credit

Good Credit is the key to a solid financial future. When establishing financial fitness goals it’s easier to build a credit score than to repair a bad one.

Having a good credit history is key to any financial plan. Credit scores take into consideration years of past behavior, so it’s important to establish a history of responsible credit practices and build your score by maintaining good habits.

Here are 7 tips to help build and maintain good credit.

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Have a Financial Question? Ask us! We will compile the financial questions we receive, big and small, into a blog to be posted on Fridays. Feel your question is silly? No question is silly, but no worries, you’ll remain anonymous.
Email your questions to
marketing@fbfcwi.com with #moneyminute as the Subject or message us on Facebook!

There are so many credit cards out there. How do I choose the right one?

Career Opportunities in Community Banking

Interested in switching careers? Community banking offers a huge variety of opportunities as well as the possibility for career progression, good pay and benefits. You may think that all positions within the bank require previous experience, but that’s not necessarily true. Different positions come with different requirements, and almost every position offers room for personal and professional growth.

Before you start looking for a job in banking, it’s important to know what types of positions are available and what qualifications you’ll need.