Should You Choose a Fixed or Variable? Thinking about your mortgage. Buying a home is the single largest financial commitment most people ever make. And sorting through mortgages involves a lot of critical choices. One of these is choosing between a fixed- or variable-interest-rate mortgage.   True to its name, fixed-rate mortgage interest is fixed…

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Your Emergency Fund: How Much is Enough? An emergency fund may help alleviate the stress associated with a financial crisis.      Have you ever had one of those months? The water heater stops heating, the dishwasher stops washing, and your family ends up on a first-name basis with the nurse at urgent care. Then,…

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Trends in Charitable Giving   The hows and whys of charity in America.     According to Giving USA 2018, Americans gave an estimated $410.02 billion to charity in 2017. That’s the first time that the amount has totaled more that $400 billion in the history of the report.1   Americans give to charity for…

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