Finance, just like the economy, is an ever-changing landscape, making it hard for many to navigate. But there are some age-old rules about money that are always dependable, right? Not necessarily. Many financial planning guidelines once considered unfailing have since become financial myths, irrelevant to today. Basing decisions on these outdated or inaccurate personal finance… Read more »
Category: Financial Guides
Learn everything you need to know about financial planning in one place.
Whether you are buying your first home, planning retirement, or setting up a monthly budget, our financial guides and resources will help you understand the process and make the best decision for you and your family.
HRCCU is dedicated to the financial well-being of its members. Get tips for life’s most important decisions by reading our blog posts.
Guide to Your Retirement Options & IRAs
It’s never too early to start thinking about retirement. Planning now can help to alleviate potential headaches in the future. A well-crafted guide to retirement and IRA options can help to set you on the path towards saving and investing in a secure, sustainable, and healthy financial future. In this guide, you can begin to… Read more »
Financial Glossary: Common Finance Terms
Finance terminology can be a dense and overwhelming subject. To simplify the process, we’ve compiled a comprehensive glossary of finance terms that are essential for adults to know. Financial Terms & Definitions Adjustable-Rate Mortgages An adjustable-rate mortgage (ARM) is a mortgage with a variable interest rate. Initially, the interest rate is usually below the market… Read more »
Quick Guide to Financial Investments for Beginners
One of the biggest misconceptions surrounding investing is that it’s only for the wealthy or the well-to-do. To some extent, this may have been true in the past, but now there are investment opportunities for everyone — whether you already know what to do or need some assistance. There are resources available, especially for beginners,… Read more »
Beginner’s Guide to Starting an Emergency Fund
Life can change fast and unexpectedly, and sometimes those changes can end up being costly. That’s why it’s especially important to be prepared for any financial curveballs that may be tossed at you. Building an emergency fund for unforeseen circumstances can save you a big headache down the road and give you some peace of… Read more »
A Guide to Mortgages & Home Equity Loans
Would you like to buy a home, but are worried you’d never qualify for a mortgage? Or maybe you just don’t know about the process behind it? Want to renovate, but can’t seem to save the extra cash? Learn how you can answer these questions, and more.
A Guide to Starting the Home Buying Process
Buying a home is pretty intimidating. You may have found the home of your dreams or the fixer upper you have had your eye on for a while. However, you need to know what you can afford, what your options are, and all of the costs associated with a home purchase. It’s hard to navigate… Read more »
